Minimum Coverage Requirements in Florida
Florida is a no-fault state, which means your own PIP coverage pays your medical bills regardless of who caused the accident. The state requires all drivers to carry $10,000 PIP and $10,000 PDL, but does not mandate bodily injury liability unless you are convicted of a serious offense. Florida law requires continuous proof of insurance — a lapse triggers automatic license suspension.
How Much Does Car Insurance Cost in Florida?
Florida auto insurance rates are among the highest in the nation due to high uninsured driver rates, no-fault PIP claims, and severe weather risk. SR-22 filing adds $15-$35 per year in administrative fees, but the real cost is the premium increase triggered by the underlying violation — DUI drivers pay 60-90% more than clean-record drivers.
What Affects Your Rate
- DUI or serious moving violation increases premiums by 60-90% in Florida for 3-5 years after conviction
- Drivers under 21 pay $180-$280 more per month than drivers over 25 due to Florida's high teen crash rate
- Miami-Dade and Broward counties have the highest rates in the state — 25-40% above state average due to uninsured driver density and fraud
- Lapse in coverage triggers a reinstatement fee of $150 for first offense, $250 for second, and $500 for third within 3 years
- SR-22 filing itself costs $15-$35 per year, but only non-owner SR-22 policies are available if you do not own a vehicle — expect $40-$70/month
- Hurricane-prone zip codes (coastal areas from Tampa to Miami) see 10-20% higher comprehensive premiums due to weather risk
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Get Your Free QuoteCoverage Types
Non-Owner SR-22 Insurance
Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to maintain a valid license. Required if your license is suspended for driving without insurance or DUI and you no longer own a car.
Business Purposes Only License
Hardship license allowing school commutes, work, medical appointments, and religious services during suspension. Application requires proof of enrollment, class schedule, and employer or school registrar verification.
High-Risk Auto Insurance
Coverage for drivers with DUI, multiple violations, or suspensions. Standard carriers often decline or non-renew — high-risk specialists write policies at higher premiums with SR-22 filing capability.
Underage Driver SR-22
SR-22 filing for drivers under 18. Requires parental consent and co-signature on the policy. Rates are significantly higher due to age and violation status combined.
Liability Insurance
Covers damage and injury you cause to others. Florida requires PDL for all drivers and BI only after conviction — but most lenders and leasing companies require BI regardless.
FR-44 Insurance
Higher-liability certificate required in Florida and Virginia for DUI convictions. Similar to SR-22 but mandates double the minimum BI limits — 100/300/50 in Florida.
