Updated April 2026
Minimum Coverage Requirements in Florida
When you receive a DUI conviction or serious traffic violation in Florida, your current insurer typically will not cancel your policy immediately — they will issue a non-renewal notice at your next policy term, giving you 30–60 days to find new coverage. During this time, the Florida Department of Highway Safety and Motor Vehicles (DHSMV) typically requires you to file proof of financial responsibility — usually an FR-44 certificate — before reinstating your license. Not all insurers offer FR-44 filings, so you'll need to work with a carrier that specializes in high-risk drivers.
How Much Does Car Insurance Cost in Florida?
Drivers with DUIs or serious violations in Florida typically pay 60–200% more than drivers with clean records, depending on violation type and severity. A first-time DUI typically increases premiums by 80–150%, while multiple violations or refusal charges can push increases above 200%. Rates begin to decrease 3–5 years after the violation if no new incidents occur.
What Affects Your Rate
- Violation type and severity — first-time DUI vs. refusal vs. multiple offenses
- Time since the violation — rates decrease gradually over 3–5 years with no new incidents
- Total driving record — prior violations compound the rate impact
- Age and location — younger drivers and high-risk ZIP codes (Miami, Tampa, Orlando) face steeper increases
- Vehicle type — comprehensive and collision premiums vary widely by car value and theft risk
- Carrier availability — fewer carriers offer FR-44 policies, reducing competitive pricing pressure
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
FR-44 Insurance
Proof-of-financial-responsibility filing required by DHSMV for most DUI-related offenses. Not all carriers offer FR-44 — you must work with a high-risk specialist.
Non-Standard Auto Insurance
Coverage from carriers that specialize in high-risk drivers. Accepts DUIs, suspensions, and violations that disqualify you from standard insurers.
High-Risk Auto Insurance
Policies priced for drivers classified as high-risk due to violations, DUIs, or suspensions. Rates decrease over time if you maintain a clean record.
Liability Insurance
Covers damage you cause to others. FR-44 requires higher liability limits than Florida's standard minimum, so minimum-liability policies do not satisfy the filing requirement.
