Florida SR-22 & High-Risk Auto Insurance
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
DUI convictions trigger FR-44 filing requirements—a stricter version of SR-22 unique to Florida and Virginia—while license suspensions for serious violations may require standard SR-22. Drivers with violations accumulating 12 or more points in 12 months face automatic license suspension, but most point violations do not require SR-22 unless suspension occurs.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
SR-22 or FR-44 Insurance
Uninsured Motorist Coverage
Cost Overview
$351–$437/mo
Typical monthly rate in Florida, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- ZIP code and county—Miami-Dade, Broward, and Hillsborough counties show the highest high-risk premiums due to accident frequency and uninsured motorist rates
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on your record in Florida?
Florida requires SR-22 or FR-44 filing for 3 years from the date of license reinstatement. If your policy lapses during this period, your license is suspended immediately and the 3-year clock resets when you file a new certificate. The violation that triggered the requirement (DUI, suspension) remains on your driving record for 3–7 years depending on offense type.
What is the difference between SR-22 and FR-44 in Florida?
FR-44 is required specifically for DUI convictions in Florida and mandates higher coverage limits (100/300/50) compared to standard SR-22. SR-22 is used for other suspensions like point accumulation or driving without insurance and allows state minimum coverage (10/20/10). Both are proof-of-insurance filings but FR-44 is more expensive due to the higher required limits.
How many points does it take to lose your license in Florida?
Florida suspends your license automatically if you accumulate 12 points in 12 months, 18 points in 18 months, or 24 points in 36 months. A speeding ticket 15+ mph over the limit adds 4 points, reckless driving adds 4 points, and at-fault accidents add 6 points. Most point suspensions require SR-22 filing before reinstatement.
When do points fall off your license in Florida?
Points remain on your Florida driving record for 3 years from the date of conviction, but some violations remain visible on your record for longer—serious offenses like DUI stay for 75 years. Insurance companies typically surcharge for violations for 3–5 years, with the steepest rate increases in the first 12–24 months after the violation.
Can you get car insurance with a suspended license in Florida?
Yes, but you must purchase SR-22 or FR-44 insurance before the Florida DHSMV will reinstate your license. Most standard carriers will not write policies for suspended drivers—non-standard carriers like Progressive, National General, and Bristol West specialize in this market. You cannot legally drive until your license is reinstated and the filing is active.
What happens if my SR-22 lapses in Florida?
If your SR-22 or FR-44 policy lapses or is canceled, your insurer notifies the Florida DHSMV within 10 days and your license is suspended immediately. The 3-year filing requirement resets from the date you file a new certificate and reinstate your license, extending your total requirement period by the lapse duration plus reinstatement processing time.
Coverage Types
SR-22 Insurance
Proof-of-insurance filing required for license suspensions and serious violations. The filing itself costs $15–$25, but the underlying high-risk policy drives total premium increases.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers with violations, suspensions, or lapses. Rates are higher but these carriers offer more flexible underwriting than standard market insurers.
Full Coverage
Liability plus collision and comprehensive coverage for financed or leased vehicles. Required by lenders and most expensive option for high-risk drivers due to comprehensive claim history weighting.
Liability Insurance
Covers bodily injury and property damage you cause to others. Florida's 10/20/10 minimums are among the lowest nationally and create significant financial risk for drivers with prior at-fault accidents.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Optional in Florida but critical given the state's high uninsured driver rate—approximately 20% of motorists.
Personal Injury Protection (PIP)
Mandatory $10,000 no-fault medical coverage in Florida. Pays for your own medical bills and lost wages regardless of fault, but rates increase sharply for high-risk drivers due to higher claim frequency.