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.
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
Get FR-44 insurance quotes from carriers that file in Florida and Virginia
FR-44 requires higher liability limits than SR-22 — compare carriers that understand the difference.
Get Your Free QuoteCoverage 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.
