Updated March 2026
State Requirements
Florida requires minimum liability coverage of $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage (10/20/10), plus $10,000 personal injury protection (PIP). 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.
Cost Overview
Florida high-risk insurance premiums average $2,800–$5,200 annually depending on violation type, driver age, and location. DUI convictions requiring FR-44 filing produce the steepest increases—often 150–250% above clean-record rates—while at-fault accidents and serious moving violations typically increase rates 40–90%. Point violations from speeding tickets increase rates 15–35% per ticket, with the highest increases in metro areas like Miami, Tampa, and Orlando where accident frequency drives base rates higher.
What Affects Your Rate
- DUI or DWI conviction requiring FR-44 filing (150–250% rate increase)
- License suspension from point accumulation (80–140% increase)
- At-fault accidents in the past 3 years (40–90% increase per accident)
- Serious moving violations like reckless driving (60–110% increase)
- Speeding tickets over 15 mph above limit (15–35% increase per ticket)
- ZIP code and county—Miami-Dade, Broward, and Hillsborough counties show the highest high-risk premiums due to accident frequency and uninsured motorist rates
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
