Minimum Coverage Requirements in Florida
Florida requires minimum liability coverage of $10,000 bodily injury per person, $20,000 bodily injury per accident, and $10,000 property damage (10/20/10), plus $10,000 personal injury protection (PIP). 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.
Meeting the state minimum keeps you legal. See whether it's enough — get your Florida quote.
Get your Florida quoteHow Much Does Car Insurance Cost in Florida?
Post-SR22 drivers in Florida typically pay $180-$320/month ($2,160-$3,840/year) depending on violation type, time since the requirement ended, and insurer. DUI drivers who required FR-44 face the highest rates due to the elevated liability limits and severity of the violation. Your rate drops most significantly in the first 6-12 months after your filing ends, then continues decreasing annually as the violation ages—shopping carriers during this window is critical, as some insurers reduce rates faster than others for post-SR22 profiles.
What Affects Your Rate
- Type of violation: DUI/FR-44 drivers pay 60-90% more than SR-22 drivers with suspension-only violations due to higher required liability limits and loss history
- Time since SR-22 ended: rates typically drop 15-25% within 6 months, 30-40% by year 2, and reach near-normal levels by year 5 if no new violations occur
- Insurance company: post-SR22 rate differences between carriers can exceed $100/month for identical coverage—some insurers specialize in rate recovery profiles while others maintain high rates for 5+ years
- Geographic location: drivers in Miami-Dade, Broward, and Palm Beach counties pay 20-35% more than state averages due to higher uninsured motorist rates, accident frequency, and fraud claims
- Coverage level: increasing liability limits from 10/20/10 to 50/100/50 typically adds $30-$50/month, while adding full coverage (comp + collision) adds $80-$150/month depending on vehicle value
- Credit-based insurance score: Florida allows insurers to use credit in rating, and post-SR22 drivers with improved credit scores can see rate reductions of 10-20% independent of driving history improvements
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage 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.
