Florida FR-44 & High-Risk Auto Insurance After SR-22
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
Find Affordable Coverage After SR-22Florida 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
$45
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 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.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in Florida
$306–$521/mo
Typical monthly rate in Florida, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- FR-44 duration remaining: rates begin dropping 6–12 months before your filing ends as insurers compete for your post-requirement business
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Hardship license (Business Purposes Only or Employment Purposes Only)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Florida's FR-44 requirement mandates 100/300/50 limits — far higher than the state's 10/20/10 standard minimums.
Full Coverage
Combines liability, comprehensive, and collision to protect both you and your vehicle. Required by lenders if you're financing or leasing.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver has no insurance. Optional in Florida but highly recommended.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, flood, hail, falling objects, and animal strikes. Pays to repair or replace your vehicle minus your deductible.
FR-44 Insurance
Florida's certificate of financial responsibility requiring 100/300/50 liability limits. Not a separate policy — it's a filing attached to your auto insurance that FLHSMV monitors electronically.
Non-Standard Auto Insurance
Insurance for drivers who don't qualify for standard carriers due to violations, lapses, or FR-44 requirements. Typically requires higher down payments and monthly premiums.