Updated May 2026
Minimum Coverage Requirements in Florida
Florida is a no-fault state requiring Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage for all registered vehicles. Drivers with DUI convictions or certain license suspensions must maintain FR-44 filing—a continuous proof-of-insurance certificate that verifies doubled liability minimums. FR-44 is Florida's high-risk equivalent to SR-22, used in most other states. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) mandates FR-44 specifically for alcohol-related offenses and some repeated violations.
How Much Does Car Insurance Cost in Florida?
Non-owner FR-44 costs 30–50% less than owner FR-44 because there's no vehicle to insure for comprehensive or collision damage. Florida premiums are higher than non-owner SR-22 in other states due to doubled liability minimums. DUI filing adds $40–$70/month over non-DUI suspensions.
What Affects Your Rate
- DUI convictions increase non-owner FR-44 premiums by 60–80% over non-DUI suspensions in Florida.
- Miami-Dade and Broward counties average $15–$25/month higher than rural counties due to higher uninsured motorist rates and claim frequency.
- Drivers under 25 pay 40–50% more for non-owner FR-44 than drivers over 30 with identical violation history.
- Stacking violations—DUI plus driving while license suspended—can double base rates, pushing non-owner FR-44 premiums above $150/month.
- Filing lapses trigger immediate FLHSMV notification and restart the 3-year FR-44 clock from the lapse date, not the original suspension date.
- Progressive, The General, and National General write most Florida non-owner FR-44 policies; availability varies by ZIP code and violation type.
Get insured and start your reinstatement process today
Compare carriers that file SR-22 in your state and work with suspended license drivers.
Get Your Free QuoteCoverage Types
Non-Owner FR-44 Filing
Liability-only policy that satisfies Florida's FR-44 filing requirement without an owned vehicle. The carrier electronically files Form FR-44 with FLHSMV and maintains continuous certification for the required 3-year period.
Broad Form Liability
Named-driver liability coverage that follows you to any vehicle you drive with permission. Covers bodily injury and property damage you cause but excludes damage to the vehicle you're driving.
Uninsured Motorist for Non-Owners
Optional add-on that pays your medical bills and lost wages if you're hit by a driver with no insurance while operating a borrowed vehicle. Florida law estimates 20% of drivers carry no insurance.
Named Non-Owner Policy
Policy issued to a specific individual with no registered vehicles. Covers only the named insured—does not extend to household members or co-drivers.
Find Your City in Florida
Sources
- Florida Department of Highway Safety and Motor Vehicles — FR-44 filing requirements and reinstatement procedures
- Florida Office of Insurance Regulation — liability minimum standards for high-risk drivers
- National Association of Insurance Commissioners — Non-Owner Auto Insurance Policy Standards