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Florida Auto Insurance After Multiple Moving Violations

Florida suspends your license at 12 points in 12 months, 18 in 18 months, or 24 in 36 months. Most drivers facing points-threshold suspension pay $180–$280/month for liability coverage after reinstatement. Defensive driving can remove up to 5 points and delay suspension.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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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.

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$10,000 minimum
Personal Injury Protection (PIP)
PIP covers your medical bills and lost wages regardless of fault. Florida's $10,000 minimum covers less than one emergency room visit with imaging. After multiple violations, carriers often require higher PIP limits or exclude coverage for injuries sustained while violating traffic law.
$10,000 minimum
Property Damage Liability
Covers damage you cause to another person's vehicle or property. Florida's $10,000 minimum is among the lowest in the nation and insufficient for most multi-car accidents. Drivers with violation histories face personal liability for damages exceeding this limit.
Not required but recommended
Bodily Injury Liability
Florida does not require BI coverage unless you caused an at-fault accident or received certain violations. After accumulating points, most carriers require minimum 10/20 BI limits to write a policy. Without it, you are personally liable for injuries you cause.
Not required but offered
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Florida has one of the highest uninsured driver rates in the nation at approximately 20 percent. Rejection must be made in writing at policy inception or the coverage is added automatically.
State-Mandated Minimum Coverage · Florida

Florida Minimum Coverage

CoverageMinimum
Property Damage$10,000,000

License Reinstatement Fee$45

Meeting the state minimum keeps you legal. See whether it's enough — get your Florida quote.

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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.
Minimum Coverage
$140–$220/mo
PIP and PD only, no bodily injury liability. Few carriers write minimum-only policies for drivers with 8+ points. This tier leaves you exposed to personal liability in any at-fault accident.
Standard Coverage
$180–$280/mo
Adds 10/20 bodily injury liability and uninsured motorist coverage. Most non-standard carriers require this tier after multiple violations. Defensive driving course completion can reduce this rate by 8–12 percent.
Full Coverage
$260–$400/mo
Includes collision and comprehensive with higher liability limits. Only available after reinstatement and 6 months of continuous coverage. Lenders require this tier for financed vehicles.

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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.

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Frequently Asked Questions

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