Updated March 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.
Cost Overview
Florida ranks among the most expensive states for auto insurance due to its no-fault system, high uninsured driver rate (20% statewide), and hurricane-related claim frequency. Suspended drivers pay 40–110% more than standard rates depending on suspension cause, with DUI suspensions commanding the steepest surcharges.
What Affects Your Rate
- DUI suspensions increase premiums by 80–110% for three years due to FR-44 filing and high-risk classification.
- Miami-Dade and Broward counties report premiums 25–35% above the state average due to high crash density and personal injury protection (PIP) fraud history.
- Drivers reinstating after lapsed insurance suspensions face 40–60% surcharges for the first policy term, declining after 12 months of continuous coverage.
- Non-owner SR-22 policies cost $25–$60/month, roughly 70% less than owner policies, because they exclude collision and comprehensive exposure.
- Florida's uninsured motorist rate of 20% drives higher collision and uninsured motorist premiums, particularly in Tampa, Orlando, and Jacksonville metro areas.
- SR-22 filing adds $25–$50 annually in administrative fees, separate from the premium increase tied to the underlying suspension cause.
Get insured and start your reinstatement process today
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Get Your Free QuoteCoverage 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.
