Minimum Coverage Requirements in Florida
Florida is a no-fault state requiring Personal Injury Protection (PIP) and Property Damage Liability (PDL) on every policy. After a DUI conviction, the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) mandates FR-44 filing — a higher-liability proof of insurance form that replaces standard SR-22 requirements. FR-44 requires double the minimum liability limits of a standard Florida policy and must remain active for 3 years from your reinstatement date, not your conviction date.
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?
FR-44 premiums in Florida run 80–200% higher than standard auto insurance due to DUI classification and doubled liability limits. First-offense DUI drivers in Tampa or Jacksonville average $180–$280/month, while second-offense or refusal cases in Miami-Dade push $280–$400/month. Non-owner FR-44 policies cost $60–$140/month and fulfill the same filing requirement without a vehicle.
What Affects Your Rate
- DUI offense count and BAC level — refusal cases or BAC above .15 classified as aggravated DUI and increase premiums 40–80% over first-offense rates under .15.
- County and zip code — Miami-Dade, Broward, and Hillsborough counties run 20–35% higher than rural North Florida due to accident density and uninsured motorist rates.
- Time since conviction — premiums drop 15–25% at the 2-year mark if no additional violations occur, but FR-44 filing must remain active for the full 3 years regardless of rate improvement.
- Vehicle type and value — insuring a financed 2022 sedan costs $290–$400/month with FR-44, while a paid-off 2008 truck with liability-only drops to $180–$250/month.
- Prior insurance history — a lapse longer than 30 days before the DUI conviction adds 10–20% to FR-44 premiums, as Florida carriers treat lapse plus DUI as compounded high-risk indicators.
- IID violation count — failing an IID breath test or tampering with the device during the monitoring period adds 15–30% at your next renewal, and FLHSMV extends your IID requirement by 6–12 months per violation.
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Get Your Free QuoteCoverage Types
FR-44 Insurance
Florida's DUI-specific insurance certificate requiring double the liability limits of a standard policy. Filed electronically by your carrier with FLHSMV and must remain active for 3 years.
Non-Owner FR-44
Liability coverage with FR-44 filing for drivers who do not own a vehicle. Covers you when driving borrowed or rental cars and satisfies FLHSMV filing requirements for Business Purpose Only License.
Business Purpose Only License
Florida's DUI hardship license allowing restricted driving for work, school, medical appointments, and court-ordered obligations. Requires FR-44 filing, IID installation, and DUI school completion before FLHSMV will process your application.
Ignition Interlock Device Coverage
Required endorsement on your FR-44 policy confirming IID installation and monitoring. Most carriers include this at no extra charge, but some non-standard insurers add $10–$25/month.
High-Risk Auto Insurance
Non-standard carriers specializing in DUI and FR-44 filings when standard carriers decline coverage. Higher premiums but often the only option immediately post-conviction.
