Florida SR-22 & High-Risk Auto Insurance
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
Compare Rates 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
Drivers with DUI convictions, license suspensions for point accumulation, or uninsured accidents typically must file SR-22 or FR-44 proof of insurance with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) for three years. Post-SR22 drivers often maintain higher liability limits than minimums—both to reduce rate increases after future incidents and to meet lender requirements if financing a vehicle.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Full Coverage (Comprehensive + Collision)
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
Shop Again Now That Your Filing Has Ended
Compare Rates 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 bodily injury and property damage you cause to others. Florida's 10/20/10 minimums are insufficient for most serious accidents, and post-SR22 drivers benefit from demonstrating financial responsibility with higher limits to insurers during rate reviews.
Full Coverage
Combines comprehensive and collision coverage to protect your vehicle from both accident damage and non-collision events like theft or weather. Required by lenders if financing, but optional once your vehicle is paid off.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries or vehicle damage. Not required in Florida but strongly recommended given the state's high uninsured driver rate.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events: theft, vandalism, fire, weather, falling objects, and animal strikes. Pays actual cash value minus your deductible regardless of fault.
SR-22 Insurance
Not a separate policy but a certificate your insurer files with the state proving you carry required coverage. The SR-22 itself costs $15-$35 to file, but the underlying high-risk classification increases your premium significantly during the 3-year requirement period.
Non-Standard Auto Insurance
Coverage designed for high-risk drivers who cannot qualify for standard policies due to violations, suspensions, or lapses. Carriers specialize in SR-22 and FR-44 filings and offer flexible payment plans but charge higher premiums to offset increased risk.