Florida Auto Insurance After License Reinstatement
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida 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 as a no-fault state, requiring Personal Injury Protection (PIP) coverage alongside liability insurance. Proof of insurance is verified electronically through the Florida Real Time Vehicle Information System (FLRVIS). Recently-reinstated drivers typically need SR-22 filing alongside standard coverage, and most standard carriers will not write policies within 36 months of reinstatement.
Personal Injury Protection (PIP)
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
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
- Miami-Dade, Broward, and Hillsborough counties have the highest premiums statewide due to collision frequency and uninsured driver concentration.
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement 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 long do I need SR-22 filing in Florida after a DUI?
Florida requires 3 years of continuous SR-22 filing after a DUI conviction, measured from the reinstatement date, not the conviction date. If your coverage lapses at any point during the 3-year period, the FLHSMV suspends your license immediately and the 3-year clock resets from the new reinstatement date.
Can I get Florida car insurance immediately after reinstatement?
Yes, but you are limited to non-standard carriers for approximately 36 months post-reinstatement. Standard carriers like State Farm and GEICO typically decline applications until the SR-22 filing period ends and surcharges begin to decrease. Non-standard carriers like The General, Acceptance, and Bristol West write policies on reinstatement day.
What happens if I move out of Florida during my SR-22 filing period?
Florida's SR-22 requirement does not transfer automatically to your new state, but most states honor the filing if your new carrier submits an equivalent form to Florida's FLHSMV. You must maintain continuous Florida SR-22 filing until the 3-year period ends, even if you establish residency elsewhere, or Florida will issue a suspension notice that affects your new state's license.
Do I need SR-22 if I only drive a company vehicle in Florida?
Yes. Florida's SR-22 requirement applies to your driver's license, not to a specific vehicle. Even if you only drive for work, you need either a standard auto policy with SR-22 or a non-owner SR-22 policy to maintain valid driving privileges. Employers cannot file SR-22 on your behalf.
Will my Florida SR-22 premium decrease before the filing period ends?
Premium surcharges from the underlying violation (DUI, uninsured driving, etc.) typically last 3-5 years, which extends beyond the SR-22 filing period in most cases. Expect gradual rate decreases starting in year 4-5 as the violation ages off your driving record, but the SR-22 filing itself has no impact on rates after the initial increase.
Can I switch carriers during my Florida SR-22 filing period?
Yes, but you must ensure the new carrier files SR-22 with the FLHSMV before your old policy cancels. Any gap in SR-22 coverage, even one day, triggers automatic suspension and resets your filing period. Coordinate the switch so the new SR-22 filing is active before the old policy end date.
Coverage Types
Post-Reinstatement SR-22 Insurance
SR-22 filing proves continuous coverage to the FLHSMV. The filing itself costs $25-$50, but the premium impact from the underlying suspension cause runs 3-5 years.
Non-Owner SR-22
Maintains SR-22 filing and liability coverage when you do not own a vehicle. Required if your car was repossessed, totaled, or sold during the suspension period.
Non-Standard Auto Insurance
Carriers that write policies for recently-reinstated drivers, high-risk profiles, and SR-22 filers. Standard carriers typically refuse coverage for 36 months post-reinstatement.
Full Coverage After Reinstatement
Combines liability, PIP, collision, and comprehensive. Required if you financed a replacement vehicle during or after reinstatement.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if you are hit by a driver with no insurance. Optional in Florida but critical given the state's 20% uninsured driver rate.