Florida Auto Insurance After Multiple Moving Violations
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
Get My Point-Reduction Insurance QuoteFlorida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$45
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 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.
Personal Injury Protection (PIP)
Property Damage Liability
Bodily Injury Liability
Uninsured Motorist Coverage
What Drivers Pay in Florida
$306–$521/mo
Typical monthly rate in Florida, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
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.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf your license is suspended
Hardship license (Business Purposes Only or Employment Purposes Only)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How many points suspend your license in Florida?
Florida suspends your license at 12 points in 12 months, 18 points in 18 months, or 24 points in 36 months. The Florida Department of Highway Safety and Motor Vehicles counts violations from the date of offense, not the conviction date. Suspension length varies: 30 days for 12 points, 90 days for 18 points, one year for 24 points.
Can I take defensive driving to remove points before suspension in Florida?
Yes. Florida allows you to complete a Basic Driver Improvement course once every 12 months to remove up to 5 points from your record. The course must be state-approved and completed before the suspension takes effect. Points are removed within 10 business days of course completion, and you receive a 5-point credit that can prevent crossing the threshold.
How long do points stay on my Florida driving record?
Points remain on your Florida record for 3 to 5 years depending on the violation. Speeding and most moving violations stay for 3 years. DUI and reckless driving points stay for 5 years. The Florida DHSMV counts points based on offense date for suspension calculation but insurers see the full violation history for up to 7 years when pricing your policy.
Do I need SR-22 insurance after a Florida points suspension?
Not for the points suspension itself. Florida only requires SR-22 for specific violations: DUI, reckless driving, driving without insurance, leaving the scene of an accident, or repeat serious offenses. If your most recent violation that pushed you over the points threshold was one of these offenses, you need SR-22 separately from the points suspension. The filing requirement lasts 3 years from reinstatement date.
Will insurance companies drop me after a points suspension in Florida?
Most standard carriers non-renew policies after 8+ points or a points-related suspension. You will move to the non-standard market, where carriers like Progressive, Gainsco, and Direct Auto write multi-violation drivers. Expect rates to increase 50–80 percent after reinstatement. You must maintain continuous coverage for 3 years to return to standard-market pricing.
Coverage 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.