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Florida FR-44 & High-Risk Auto Insurance After SR-22

Florida requires FR-44 filing (not SR-22) for DUI convictions and certain violations, with higher liability minimums of 100/300/50. Filing typically lasts 3 years and costs $15–$50, but high-risk premiums average $220–$450/mo depending on violation type. Rates typically drop 30–50% in the first year after your filing requirement ends.

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Updated April 2026

Minimum Coverage Requirements in Florida

Florida requires minimum liability coverage of 10/20/10 for standard drivers, but drivers with DUI convictions or certain serious violations must carry FR-44 insurance with higher minimums of 100/300/50. FR-44 (not SR-22) is Florida's certificate of financial responsibility for high-risk drivers. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) mandates FR-44 filing for typically 3 years, and any lapse triggers immediate license suspension and restarts the clock.

How Much Does Car Insurance Cost in Florida?

High-risk insurance in Florida costs significantly more than standard coverage due to the state's no-fault system, high uninsured driver rate, and mandatory PIP requirements stacked on top of FR-44 minimums. Post-DUI drivers typically pay $220–$450/mo, while drivers with at-fault accidents or multiple violations pay $180–$350/mo. Rates vary widely by city — Miami and Tampa drivers pay 20–40% more than drivers in Tallahassee or Gainesville due to density, litigation rates, and uninsured motorist claims.

Minimum FR-44 Coverage
Includes FR-44 liability limits (100/300/50) and Florida's mandatory $10,000 PIP. No comprehensive or collision. Best for drivers who own older vehicles outright and need to satisfy FLHSMV filing requirements at the lowest possible cost.
Standard FR-44 with UM
Adds uninsured motorist coverage to FR-44 minimums. Protects you from Florida's 20% uninsured driver rate without adding collision or comprehensive. Most common tier for post-FR-44 drivers who want injury protection but don't need full coverage.
Full Coverage with FR-44
Includes FR-44 liability, PIP, comprehensive, collision, and uninsured motorist coverage. Required if financing or leasing. Highest upfront cost but prevents total vehicle loss from restarting your financial recovery after FR-44 ends.

What Affects Your Rate

  • Violation type: DUI convictions increase premiums 150–250%, while at-fault accidents or suspended license add 80–150%
  • City and ZIP code: Miami, Tampa, and Orlando drivers pay 20–40% more than Jacksonville or Tallahassee due to claim frequency and uninsured motorist rates
  • FR-44 duration remaining: rates begin dropping 6–12 months before your filing ends as insurers compete for your post-requirement business
  • Credit-based insurance score: Florida allows insurers to use credit in underwriting, and a low score can add 30–70% to FR-44 premiums
  • Vehicle type and value: financed newer vehicles requiring full coverage cost 40–60% more to insure than older paid-off vehicles with FR-44 minimums only
  • Bundling and defensive driving: completing a Florida-approved driver improvement course can reduce premiums 5–10%, and bundling with renters or homeowners saves another 10–15%

Compare Auto Insurance Rates in Florida

Find Your City in Florida

Jacksonville, Florida cityscape and street view

Jacksonville

urban
Miami, Florida cityscape and street view

Miami

urban
Tampa, Florida cityscape and street view

Tampa

urban
Orlando, Florida cityscape and street view

Orlando

urban
St. Petersburg, Florida cityscape and street view

St. Petersburg

urban
Hialeah, Florida cityscape and street view

Hialeah

urban
Port St. Lucie, Florida cityscape and street view

Port St. Lucie

suburban
Tallahassee, Florida cityscape and street view

Tallahassee

urban
Cape Coral, Florida cityscape and street view

Cape Coral

suburban
Fort Lauderdale, Florida cityscape and street view

Fort Lauderdale

urban
Dense pine tree canopy with green needles and brown branches viewed from below against overcast sky

Pembroke Pines

suburban
Aerial sunset view of coastal city with curved bridge, waterfront buildings and golden water reflections

Clearwater

suburban

Sources

  • Florida Department of Highway Safety and Motor Vehicles - FR-44 Requirements
  • Florida Statutes Chapter 324 - Financial Responsibility
  • National Association of Insurance Commissioners - High-Risk Auto Insurance Data

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