Updated May 2026
Minimum Coverage Requirements in Florida
Florida operates a no-fault insurance system requiring Personal Injury Protection and Property Damage Liability as minimums. The Florida Department of Highway Safety and Motor Vehicles suspends licenses when drivers accumulate 12 points in 12 months, 18 points in 18 months, or 24 points in 36 months. Proof of insurance is required at all times, and carriers report lapses directly to the state.
How Much Does Car Insurance Cost in Florida?
Florida uses point accumulation as a pricing multiplier. Each violation on your record adds a surcharge percentage that compounds over the policy term. Carriers writing multi-violation drivers price defensively because the probability of another claim within 12 months rises sharply after the third moving violation.
What Affects Your Rate
- Speeding 15+ over the limit adds 4 points and triggers a 40–60 percent surcharge for 3 years in Florida.
- Reckless driving adds 4 points and typically requires SR-22 filing separately from the points suspension.
- Drivers under 25 with 6+ points pay approximately double the base rate due to combined age and violation risk.
- Completing a Florida-approved defensive driving course removes up to 5 points once every 12 months and qualifies for a course discount.
- Zip code multiplier: Miami-Dade drivers with violations pay 25–35 percent more than equivalent drivers in Tallahassee due to claim frequency.
- Lapse in coverage after reinstatement resets the violation surcharge clock and adds an additional 15–20 percent non-continuous penalty.
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
High-Risk Auto Insurance
Non-standard carriers that write policies for drivers with multiple violations and point-threshold suspensions.
SR-22 Insurance
Certificate of financial responsibility filed by your carrier with the Florida DHSMV when required by specific violations.
Non-Standard Auto Insurance
Policies designed for drivers who cannot qualify for standard-market coverage due to violation history.
Liability Insurance
Covers damage and injuries you cause to others. Florida requires PD but not BI unless triggered by violation or accident.
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Sources
- Florida Department of Highway Safety and Motor Vehicles — Driver License Point System
- Florida Statutes Section 322.27 — Authority to Suspend or Revoke Driver License
- Florida DHSMV — Hardship License Application Requirements