Updated March 2026
State Requirements
Florida operates as a no-fault state, requiring all drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) with minimums of 10/20/10. However, after a DUI conviction, the Florida Department of Highway Safety and Motor Vehicles mandates FR-44 certification, which raises liability requirements to 100/300/50 — ten times higher for bodily injury per person. Florida eliminated SR-22 filings for DUI offenders entirely in 2008, making FR-44 the exclusive financial responsibility certificate for license reinstatement after DUI.
Covers injuries you cause to others in an at-fault accident. Florida's FR-44 requirement is triple the bodily injury minimums in most other states. Given Florida's high rate of uninsured motorists — approximately 20% statewide according to Insurance Research Council data — many FR-44 filers carry limits above the 100/300 minimum to protect personal assets from lawsuit exposure.
Covers damage to other vehicles, structures, or property when you are at fault. Florida's FR-44 property damage requirement is $50,000, five times the standard state minimum of $10,000. This higher threshold reflects the state's concentration of high-value vehicles in coastal metro areas and the potential for multi-car accidents on I-4, I-95, and the Turnpike.
Covers your own medical expenses and lost wages regardless of fault, a requirement in Florida's no-fault system. FR-44 filers must maintain PIP alongside the elevated liability limits. PIP does not increase under FR-44, but lapses in PIP coverage will trigger an FR-44 violation notice to the DMV, restarting your 3-year filing period.
Protects you when an at-fault driver lacks sufficient insurance to cover your injuries or vehicle damage. Florida does not mandate UM/UIM, but given that one in five Florida drivers operates without insurance, FR-44 filers — who already carry elevated liability limits — often add UM/UIM at 100/300 to match their own coverage floor and avoid out-of-pocket medical costs after a collision with an uninsured driver.
Provides liability coverage and FR-44 filing for drivers who do not own a vehicle but need license reinstatement. Non-owner FR-44 is common among suspended Florida drivers who rely on public transit, rideshare, or borrowed vehicles. Monthly premiums typically range from $80–$200, significantly lower than owner policies, because the insurer assumes less frequent driving exposure.
Cost Overview
FR-44 insurance in Florida costs substantially more than standard policies due to the 100/300/50 liability requirement and the elevated actuarial risk category assigned to DUI offenders. Average monthly premiums range from $150–$400 for owner policies and $80–$200 for non-owner policies, based on available industry data. Rates vary widely by ZIP code, with Miami-Dade, Broward, and Hillsborough counties typically seeing premiums 20–40% above state averages due to high traffic density, uninsured motorist rates, and personal injury protection fraud claims.
Covers the court-mandated 100/300/50 liability limits and PIP only. This tier meets reinstatement requirements but offers no protection for your own vehicle or injuries caused by uninsured drivers.
Adds uninsured motorist coverage at 100/300 and may include collision and comprehensive if you own a financed or leased vehicle. Most FR-44 filers with vehicles choose this tier to balance cost and asset protection.
Includes elevated liability limits above 100/300, UM/UIM at matching levels, collision, comprehensive, and often rental reimbursement. Recommended for drivers with significant assets or newer vehicles in high-theft Florida metros like Miami, Orlando, and Tampa.
- DUI conviction timing: Premiums are typically 15–30% higher in the first year after conviction, decreasing gradually as you demonstrate continuous coverage and clean driving through the 3-year FR-44 period.
- County and ZIP code: Miami-Dade County FR-44 rates average $270–$380/month, while North Florida counties like Alachua and Leon see $150–$230/month due to lower traffic density and injury claim frequency.
- Vehicle type and age: Insuring a 2018 or newer sedan in Tampa costs approximately 25–40% more than a 2010 economy car due to higher repair costs and comprehensive theft risk in urban Florida counties.
- Filing type: Non-owner FR-44 policies cost 40–60% less than owner policies because they exclude collision and comprehensive coverage and assume lower annual mileage exposure.
- Credit-based insurance score: Florida permits insurers to use credit history in underwriting; FR-44 filers with credit scores below 600 may see premiums 30–50% higher than those with scores above 700, even with identical driving records.
- Continuous coverage: A lapse of even one day triggers an FR-44 violation report to the Florida DMV, restarting your 3-year filing clock and often adding a $15–$25 reinstatement fee plus potential license re-suspension until coverage is restored.
Estimates based on available industry data and may not reflect current market conditions. Individual rates vary based on driving history, vehicle, coverage selections, and other factors.
What Affects Your Rate
- DUI conviction timing: Premiums are typically 15–30% higher in the first year after conviction, decreasing gradually as you demonstrate continuous coverage and clean driving through the 3-year FR-44 period.
- County and ZIP code: Miami-Dade County FR-44 rates average $270–$380/month, while North Florida counties like Alachua and Leon see $150–$230/month due to lower traffic density and injury claim frequency.
- Vehicle type and age: Insuring a 2018 or newer sedan in Tampa costs approximately 25–40% more than a 2010 economy car due to higher repair costs and comprehensive theft risk in urban Florida counties.
- Filing type: Non-owner FR-44 policies cost 40–60% less than owner policies because they exclude collision and comprehensive coverage and assume lower annual mileage exposure.
- Credit-based insurance score: Florida permits insurers to use credit history in underwriting; FR-44 filers with credit scores below 600 may see premiums 30–50% higher than those with scores above 700, even with identical driving records.
- Continuous coverage: A lapse of even one day triggers an FR-44 violation report to the Florida DMV, restarting your 3-year filing clock and often adding a $15–$25 reinstatement fee plus potential license re-suspension until coverage is restored.
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Coverage Options
The state-mandated certificate proving you carry 100/300/50 liability limits. Your insurer files the FR-44 electronically with the Florida DMV; you do not submit it yourself. The filing remains active for 3 years from your license reinstatement date, and any lapse triggers immediate DMV notification and potential re-suspension.
Provides liability coverage and FR-44 filing when you do not own a vehicle. Common among suspended drivers who need reinstatement to commute via borrowed cars, employer vehicles, or rental cars. Does not cover a vehicle you own or one registered to your household.
Covers bodily injury and property damage you cause to others. FR-44 liability minimums are 100/300/50; standard Florida minimums are 10/20/10. The gap represents the elevated financial responsibility standard imposed after DUI conviction.
Pays for your injuries and vehicle damage when an at-fault driver has no insurance or insufficient limits. Not required in Florida, but highly relevant given one in five drivers operates without coverage.
Covers damage to your vehicle after a collision, regardless of fault. Required by lenders if you finance or lease a vehicle. FR-44 filers with newer or financed cars must carry collision to meet loan obligations and maintain the FR-44 filing simultaneously.
Covers non-collision damage: theft, vandalism, flood, hail, and animal strikes. Florida's hurricane exposure and high vehicle theft rates in metro areas make comprehensive a common addition to FR-44 policies, especially for drivers in coastal counties.
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Frequently Asked Questions
Sources
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV) — FR-44 filing requirements and reinstatement procedures
- Insurance Research Council — Florida uninsured motorist rate estimates and regional claim frequency data
- National Association of Insurance Commissioners (NAIC) — state-by-state liability minimum comparisons and financial responsibility certificate data