What Are the FR-44 Coverage Limits in Florida?
Florida's FR-44 coverage limits are 100/300/50: $100,000 bodily injury per person, $300,000 per accident, and $50,000 property damage. That is double an SR-22's bodily-injury limits, and it must be held for the full term.
The FR-44 coverage limits in Florida are 100/300/50: $100,000 in bodily injury liability per person, $300,000 per accident, and $50,000 in property damage liability. These are far above Florida’s ordinary minimums, and the bodily-injury figures are double what an SR-22 requires. Your policy has to carry these limits for the entire FR-44 term.
What are the FR-44 coverage limits in Florida?
They are 100/300/50 in liability coverage. Broken down, that is $100,000 of bodily injury coverage for one person hurt in a crash you cause, $300,000 total for everyone hurt in that crash, and $50,000 for the property you damage.
These three numbers are the heart of the FR-44. The filing itself is just an electronic certificate the insurer sends to the state, but what it certifies is that your policy carries these specific limits and will keep carrying them. If the coverage ever drops below 100/300/50, the filing no longer means what it is supposed to mean, which is why the limits and the filing are inseparable.
Every other FR-44 rule sits on top of this coverage floor. For how the limits fit with the term and the filing, see our full guide to FR-44 requirements in Florida.
Why are the FR-44 limits so much higher than normal?
Because Florida ties them to a DUI, and it wants far more protection in place before that driver returns to the road. The state’s ordinary minimum coverage is a fraction of 100/300/50, so the jump is a multiple, not a small step.
The purpose is protection for other people. A DUI signals elevated risk, so the FR-44 requires enough liability coverage that a serious crash would be absorbed by the policy rather than pushed back onto the victims or onto you personally. That is the logic behind the higher floor: the requirement is less about punishment and more about guaranteeing that real coverage stands behind a high-risk license.
The other reference point is the SR-22, which certifies lower liability limits for lesser violations. The FR-44’s bodily-injury limits are exactly double an SR-22’s, which is one of the clearest ways to see how much more coverage the DUI-based filing demands. We compare the two directly in our guide to FR-44 vs SR-22.
Do you have to carry the limits the whole time?
Yes, for the entire three-year FR-44 term and without interruption. The limits cannot be reduced partway through, and the coverage cannot lapse, or the filing stops doing its job.
This is where the coverage limits and continuous coverage meet. It is not enough to buy a 100/300/50 policy on day one; you have to keep those limits in force every day of the term. Dropping the coverage below the required limits, or letting the policy cancel, is reported to the state the same way a lapse is, and it can put your reinstatement at risk.
A non-owner FR-44 carries these identical limits, so drivers without a car still meet the full 100/300/50 requirement; the coverage simply follows the driver instead of a vehicle. Either way, the limits are the fixed part, so the goal for the whole term is keeping them steady and the policy active.
How is the coverage proven to the state?
Through an electronic filing your insurer sends to the FLHSMV. The FR-44 certificate is the state’s confirmation that a policy carrying the 100/300/50 limits is in force behind your license, and the insurer, not you, transmits it.
That is an important detail, because it means the limits and the proof are linked automatically. You do not carry a paper form to the counter or mail anything yourself. When the insurer writes the policy at the required limits, it reports the certificate directly to the state, and the same channel is used to notify the state if the coverage later drops or lapses. The filing is a live status, not a one-time document.
It also explains why the limits cannot quietly slip during the term. Because the coverage is tied to an active electronic filing, a change that pushes your liability below 100/300/50 does not go unnoticed. The insurer’s reporting keeps the state informed, which is exactly why maintaining the full limits every day of the term matters as much as buying them on day one.
For you, the practical takeaway is simple: choose a carrier that will write and file an FR-44, confirm the policy carries 100/300/50, and keep it continuously in force. Do those three things and the proof takes care of itself, because the filing rides on the coverage you are already maintaining.
It is worth adding that the certificate carries risk only if you ignore the policy behind it. Because the filing reflects live coverage, drivers sometimes assume that once it is submitted they can relax on the details, but the opposite is true. The value of the filing depends entirely on the policy staying at full limits and staying active. Treat the 100/300/50 coverage as the thing you are actually maintaining, and the certificate as its shadow, and you will never be surprised by a reporting problem. A clean, continuous policy produces a clean, continuous filing, and that is the whole aim for the term.
The limits are real protection, not just a hurdle
It is easy to read 100/300/50 as a penalty, but these are genuine coverage amounts. If you cause a serious crash while the filing is active, those higher limits stand between you and personal liability for the damage.
100/300/50 is the whole answer: high liability limits, held continuously, standing behind a license the state treats as high risk.
Frequently asked questions
What does 100/300/50 mean on an FR-44?
It is the required liability coverage: $100,000 of bodily injury per person, $300,000 of bodily injury per accident, and $50,000 of property damage. Every FR-44 policy in Florida must carry these limits.
Are FR-44 limits higher than an SR-22's?
Yes. The FR-44 bodily-injury limits are double an SR-22's. The FR-44 is tied to a DUI and demands 100/300/50, while an SR-22 certifies lower limits for lesser violations.
Do the FR-44 limits apply to a non-owner policy too?
Yes. A non-owner FR-44 carries the same 100/300/50 liability limits. The coverage follows you as a driver rather than a specific car, but the required limits are identical.
Can I lower the limits during the FR-44 term?
No. The 100/300/50 limits must stay in force for the entire three-year term without interruption. Reducing the coverage or letting it lapse is reported to the state and can jeopardize your reinstatement.
Informational only. Not legal, financial, or insurance advice. FR-44 and SR-22 requirements are set by Florida (FLHSMV) and the courts and can change; verify your specific requirement with the FLHSMV. Pricing shown is illustrative, not a quote. FR44 Insurance of Florida is an independent insurance agency and not a government entity.