What liability limits does Florida FR44 require?
Florida FR44 requires $100,000 per person / $300,000 per accident bodily injury + $50,000 property damage — roughly four times the state’s standard minimums.
FR44 Coverage Requirements
After a DUI conviction in Florida, the state mandates enhanced liability coverage through the FR44 filing:
- Bodily Injury: $100,000 per person / $300,000 per accident
- Property Damage: $50,000 per accident
Compare this to Florida’s standard minimums of $10,000/$20,000/$10,000 — the FR44 requires roughly 10 times the bodily injury coverage and 5 times the property damage coverage.
Why Are the Limits So High?
The enhanced limits are Florida’s legislative response to DUI-related accidents. The state determined that drivers convicted of DUI should carry higher coverage to better protect other motorists. These limits have been in place since Florida adopted the FR44 requirement.
Virginia FR44 Comparison
Virginia — the only other state that uses FR44 — requires slightly different limits: $100,000/$200,000/$50,000. The per-person bodily injury is the same, but the per-accident limit is lower ($200,000 vs. $300,000).
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