Florida Auto Insurance for License Reinstatement
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida 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
State Requirements
Florida operates as a no-fault state requiring Personal Injury Protection (PIP) and Property Damage Liability (PDL) as the statutory minimum. All drivers must carry proof of insurance via an insurance card or FR-44/SR-22 certificate when required for reinstatement. Unlike most states, Florida does not mandate bodily injury liability unless you have been convicted of certain violations, yet bodily injury liability becomes required after a DUI or at-fault crash without adequate coverage, per Florida Statutes § 627.733.
Personal Injury Protection (PIP)
Property Damage Liability (PDL)
Bodily Injury Liability (BIL)
SR-22 or FR-44 Certificate
Non-Owner SR-22 Policy
Cost Overview
$306–$521/mo
Typical monthly rate in Florida, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Frequently Asked Questions
Do I need insurance if my Florida license is suspended?
Yes, if your suspension involves DUI, excessive points, lapsed insurance, or an at-fault crash without insurance. Florida requires you to maintain continuous SR-22 or FR-44 coverage during the suspension period and for three years after reinstatement, or your suspension will be extended. Administrative suspensions for unpaid fines or child support do not require insurance during suspension, but you must show proof of coverage to reinstate.
Can I get a hardship license in Florida while my license is suspended?
Yes, Florida offers a Business Purposes Only (BPO) hardship license for drivers with DUI suspensions after completing a mandatory 30-day hard suspension and enrolling in DUI school. Employment-only hardship licenses are available for certain non-DUI suspensions after 30 days. You must maintain SR-22 or FR-44 coverage for the entire hardship period, and violations will result in immediate revocation of the hardship license.
How long do I have to carry SR-22 or FR-44 in Florida?
Florida requires SR-22 or FR-44 filing for three years from the date of reinstatement, not from the suspension date. If your insurance lapses or you miss a payment during this period, your insurer notifies FLHSMV immediately and your license is re-suspended. The three-year clock resets each time you are re-suspended for a coverage lapse.
Coverage Types
SR-22 Insurance
Provides liability coverage and certificate filing to FLHSMV proving continuous insurance. Required for three years after most DUI, excessive points, and lapsed insurance suspensions.
Non-Owner SR-22
Liability-only policy for drivers without a vehicle, fulfills SR-22 filing requirement. Covers you when driving borrowed or rental vehicles.
Bodily Injury Liability
Pays medical costs and lost wages for people you injure in a crash. Florida requires it only after DUI, at-fault crash, or lapsed insurance suspension.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Compensates for medical bills and vehicle damage the at-fault driver cannot pay.
Non-Standard Auto Insurance
Policies designed for high-risk drivers, including those with suspensions, DUIs, or lapses. Offered by insurers specializing in reinstatement cases.
Personal Injury Protection (PIP)
Florida's mandatory no-fault medical coverage. Pays 80% of medical expenses and 60% of lost wages up to the policy limit regardless of who caused the crash.