FR-44 Coverage Requirements
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Florida FR-44 Insurance After DUI

Florida requires FR-44 insurance—not SR-22—for DUI offenders, with minimum liability limits of 100/300/50 ($100,000 per person, $300,000 per accident, $50,000 property damage). Most drivers pay $250–$450/mo for FR-44 coverage, significantly higher than standard Florida policies due to the high-risk filing requirement.

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Updated May 2026

Minimum Coverage Requirements in Florida

Florida eliminated SR-22 filings for DUI offenses entirely—drivers convicted of DUI must obtain FR-44 insurance instead, which requires double the liability limits of standard policies. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) mandates continuous FR-44 coverage for a minimum of 3 years from the reinstatement date, and any lapse triggers immediate license suspension. Florida operates under a no-fault PIP system for medical coverage, but FR-44 liability requirements exist separately to prove financial responsibility after high-risk violations.

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100/300/50
FR-44 Liability Insurance
FR-44 liability coverage pays for injuries and property damage you cause to others, with minimums of $100,000 per person, $300,000 per accident for bodily injury, and $50,000 for property damage. These limits are exactly double Florida's standard 25/50/25 minimums and apply only to DUI offenders. Your insurer files the FR-44 certificate electronically with FLHSMV within 24–48 hours of policy activation, but any gap in coverage triggers an automatic suspension notice within 10 days.
$10,000 minimum
Personal Injury Protection (PIP)
Florida's no-fault PIP coverage pays your own medical bills and lost wages regardless of fault, with a statutory minimum of $10,000. FR-44 filers must carry PIP in addition to the elevated liability limits—this is not optional. The $10,000 PIP minimum covers less than one emergency room visit in many Florida hospitals, making it critically insufficient for serious accidents, but increasing PIP does not satisfy the FR-44 liability requirement.
$50,000 (included in FR-44)
Property Damage Liability
Property damage liability within the FR-44 filing covers damage you cause to another person's vehicle or property, with a $50,000 minimum. Florida's high concentration of luxury vehicles in coastal cities means this minimum can be exhausted in a single accident with a newer SUV or sedan. Unlike bodily injury liability, property damage claims settle faster but expose you to personal liability for any amount exceeding your policy limit.
100/300/50
Non-Owner FR-44 Insurance
Non-owner FR-44 policies provide the same 100/300/50 liability limits without covering a specific vehicle, designed for suspended drivers who do not own a car but need to reinstate their license. This is the standard path for Florida DUI offenders without a vehicle—it costs $150–$300/mo, roughly 40% less than owner FR-44 policies. The FLHSMV accepts non-owner FR-44 filings for reinstatement, but coverage only applies when you drive a borrowed or rental vehicle, not when you're a passenger.
Not required
Uninsured Motorist Coverage
Uninsured motorist coverage is optional in Florida but pays your expenses when an at-fault driver has no insurance—a scenario affecting roughly 20% of Florida drivers, one of the highest uninsured rates in the nation. Rejecting UM coverage requires a signed written waiver at policy inception; verbal rejection is not legally valid and insurers add the coverage automatically if you don't complete the form. For FR-44 filers already paying elevated premiums, UM coverage typically adds $30–$60/mo but protects against Florida's uniquely high uninsured driver population.
State-Mandated Minimum Coverage · Florida

Florida Minimum Coverage

CoverageMinimum
Property Damage$10,000

License Reinstatement Fee$45

Meeting the state minimum keeps you legal. See whether it's enough — get your Florida quote.

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How Much Does Car Insurance Cost in Florida?

FR-44 insurance costs 3–5 times more than standard Florida auto insurance due to the high-risk classification, elevated liability limits, and limited carrier availability. Most FR-44 filers pay $250–$450/mo for minimum coverage, with non-owner policies running $150–$300/mo. Rates vary significantly by prior violation count, age, and whether you need owner or non-owner coverage.

What Affects Your Rate

  • First-time DUI offenders in Florida pay approximately 40% less than drivers with multiple DUI convictions on their record
  • Drivers under 25 with FR-44 requirements face an additional 25–35% surcharge compared to drivers over 30
  • Miami-Dade and Broward counties have FR-44 rates 15–20% higher than rural Florida counties due to accident frequency and uninsured driver concentration
  • Choosing a non-owner FR-44 policy instead of owner coverage reduces premiums by roughly $100–$150/mo for the same liability limits
  • Installing an ignition interlock device can qualify some drivers for a 10–15% premium reduction with participating carriers
Minimum FR-44 Coverage
$250–$350/mo
100/300/50 liability with $10,000 PIP. Non-owner policies run $150–$250/mo. Covers legal minimums only—no collision, comprehensive, or UM protection.
Standard FR-44 Coverage
$350–$450/mo
Adds uninsured motorist coverage and higher PIP limits. Collision and comprehensive still excluded unless financing requires it.
Full FR-44 Coverage
$450–$650/mo
Includes collision, comprehensive, UM, and elevated liability limits beyond state minimums. Necessary for financed or leased vehicles.

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Coverage Types

FR-44 Insurance

High-risk liability filing required for Florida DUI offenders, mandating 100/300/50 minimum limits—double the standard state requirement. FR-44 replaced SR-22 for DUI cases in Florida.

Non-Owner FR-44

Provides FR-44 liability coverage without insuring a specific vehicle, designed for suspended drivers who need license reinstatement but don't own a car.

Uninsured Motorist Coverage

Optional coverage that pays your expenses when an at-fault driver has no insurance. Rejection requires a signed written waiver in Florida—verbal rejection doesn't count.

Personal Injury Protection (PIP)

Florida's mandatory no-fault coverage paying your medical bills and lost wages regardless of fault. FR-44 filers must carry PIP in addition to liability minimums.

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