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Arizona vs Florida

Bottom line

Arizona requires more property-damage coverage than Florida ($15,000 vs $10,000). Both require an SR-22 for certain violations, though Arizona files for 3 years versus Florida's 2. Arizona generally has lower license-reinstatement costs.

Official government sources Last verified June 2026 36 fields reviewed Source links on every value

Important differences between Arizona and Florida

The differences drivers should know.

Bodily injury / person
Arizona$25,000
Florida$10,000
Arizona requires higher bodily-injury coverage.
Bodily injury / accident
Arizona$50,000
Florida$20,000
Arizona requires higher bodily-injury coverage.
Property damage
Arizona$15,000
Florida$10,000
Arizona requires more property-damage coverage.
UM/UIM requirement
ArizonaOptional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected…
FloridaOptional — not required (Florida is a no-fault/PIP state).
FR-44 required
ArizonaNo
FloridaYes
Florida uses the stricter FR-44 filing.
Filing duration
Arizona3 years
Florida2 years of maintained proof (non-DUI no-insurance/PIP reinstatement, §324.0221(3)); a 3-year…
Arizona requires a longer SR-22 filing (3 vs 2 years).
Clock starts from
ArizonaFrom the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary…
FloridaFrom reinstatement
Non-owner SR-22
ArizonaYes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the…
FloridaYes (available); Florida does not issue a non-owner certificate if the person has vehicles registered…
License reinstatement
ArizonaScenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based…
Florida$150 (1st) / $250 (2nd) / $500 (each subsequent within 3 years). A separate $15 fee applies to certain…
Arizona costs less to reinstate.
Registration reinstatement
Arizona$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance…
FloridaIncluded in the single reinstatement fee (§324.0221(3): one fee covers both license and registration).
No-insurance, first offense
ArizonaMinimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges…
FloridaNo criminal fine ladder — enforced administratively via license/registration suspension. Reinstatement…
No-insurance, repeat offense
Arizona2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+…
Florida$250 (2nd) / $500 (subsequent within 3 yrs) reinstatement fee.
DUI suspension
Arizona1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381…
FloridaLicense revoked on DUI conviction; IID mandatory: ≥6 months (1st, if BAC ≥0.15 or minor in vehicle;…
DUI fine range
ArizonaStandard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges),…
Florida1st: $500-$1,000 (BAC ≥0.15 or minor passenger: $1,000-$2,000). 2nd: $1,000-$2,000 (enhanced…
Driving while suspended
ArizonaDriving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1…
FloridaFlorida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS,…
CDL consequence
ArizonaPer §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321),…
FloridaFlorida CDL disqualification (FL Stat. 322.61, federal FMCSA structure). 1-year (first major offense):…
View full comparison ↓

Recent law changes

Changes verified from official state sources.

Arizona2020-07-01 — minimum liability limits raised from 15/30/10 to 25/50/15 (ARS §28-4009, enacted by HB 2534, 2019).
Florida2007-10-01 — FR-44 (100/300/50 after a DUI) established (§324.023, ch. 2007-150).

Full comparison

Every compared field, with the official source on each value.

Coverage

Bodily injury / person
Arizona
$25,000
Official source ↗
Florida
$10,000
Official source ↗
Bodily injury / accident
Arizona
$50,000
Official source ↗
Florida
$20,000
Official source ↗
Property damage
Arizona
$15,000
Official source ↗
Florida
$10,000
Official source ↗
UM/UIM requirement
Arizona
Optional — not part of the required minimum. UM/UIM must be offered by the insurer and may be rejected in writing.
See Arizona sources ↗
Florida
Optional — not required (Florida is a no-fault/PIP state).
See Florida sources ↗

SR-22 / FR-44

SR-22 required same
FR-44 required
Filing duration
Arizona
3 years
Official source ↗
Florida
2 years of maintained proof (non-DUI no-insurance/PIP reinstatement, §324.0221(3)); a 3-year no-renewal/compliance window applies (Rule 15A-3.015).
Official source ↗
Clock starts from
Arizona
From the effective date of the suspension (not the reinstatement date). Judgment-suspension cases vary and require contacting MVD.
Official source ↗
Florida
From reinstatement
Official source ↗
Non-owner SR-22
Arizona
Yes — a non-owner SR-22 policy is available for people who don't own a vehicle but must meet the requirement after a serious traffic offense.
Official source ↗
Florida
Yes (available); Florida does not issue a non-owner certificate if the person has vehicles registered in Florida.
See Florida sources ↗

Costs

SR-22 filing fee same
Arizona
~$15-25 (charged by the insurer, not ADOT)
See Arizona sources ↗
Florida
~$15-25 (charged by the insurer, not FLHSMV)
See Florida sources ↗
License reinstatement
Arizona
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20…
Full details
Scenario-dependent. General suspension: $10. Revocation (DUI/major offense): $20 + an age-based application fee ($10 age 50+, $15 ages 45-49, $20 ages 40-44, $25 age 39 and under or any age with a Travel ID) + SR-22 + (for alcohol/drug cases) interlock and substance-abuse evaluation. Admin Per Se suspension: additional $50. Financial-responsibility (accident) suspension: $10 driver license + $25 registration/plate (§28-4144(C)(2)(b)).
Official source ↗
Florida
$150 (1st) / $250 (2nd) / $500 (each subsequent within 3 years). A separate $15 fee applies to certain §324.051/324.072/324.081/324.121 FR suspensions.
Official source ↗
Registration reinstatement
Arizona
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a…
Full details
$25 registration/license-plate reinstatement on the FR (accident) path (§28-4144). For a no-insurance registration suspension, the consumer path is a $50 fee plus current proof of insurance where prior-coverage proof can't be produced.
Official source ↗
Florida
Included in the single reinstatement fee (§324.0221(3): one fee covers both license and registration).
Official source ↗

Penalties

No-insurance, first offense
Arizona
Minimum civil penalty $500 (1st violation), plus a 3-month suspension/restriction of driving privileges (§28-4135(E)(1)).
Official source ↗
Florida
No criminal fine ladder — enforced administratively via license/registration suspension. Reinstatement fee $150 (1st).
Official source ↗
No-insurance, repeat offense
Arizona
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year…
Full details
2nd within 36 months: minimum $750 + 6-month suspension of license, registration, and plates. 3rd+ within 36 months: minimum $1,000 + 1-year suspension of license, registration, and plates, with SR-22 required on reinstatement (§28-4135(E)(2)-(3)).
Official source ↗
Florida
$250 (2nd) / $500 (subsequent within 3 yrs) reinstatement fee.
Official source ↗
DUI suspension
Arizona
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd…
Full details
1st DUI: 90-day administrative (Admin Per Se / implied-consent) suspension; the criminal §28-1381 conviction itself does not revoke on a 1st. 2nd within 84 months (§28-1381 or §28-1382): driving privilege revoked at least 1 year; special ignition-interlock restricted license possible after 45 days. Aggravated DUI (§28-1383, felony): revocation with no new license issued for at least 1 year (per §28-1385 period for the child-passenger variant). All convictions carry mandatory ignition interlock (§28-3319).
Official source ↗
Florida
License revoked on DUI conviction; IID mandatory: ≥6 months (1st, if BAC ≥0.15 or minor in vehicle; court discretion if BAC ≥0.08), ≥1 year (2nd), ≥2…
Full details
License revoked on DUI conviction; IID mandatory: ≥6 months (1st, if BAC ≥0.15 or minor in vehicle; court discretion if BAC ≥0.08), ≥1 year (2nd), ≥2 years (3rd) (§316.193). Revocation lengths are set by §322.28 — typically 180 days–1 year for a 1st offense, 5 years for a 2nd within 5 years, and 10 years for a 3rd within 10 years.
Official source ↗
DUI fine range
Arizona
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with…
Full details
Standard DUI §28-1381: 1st = ≥$250 fine + two mandatory $500 assessments (~$1,250+ before surcharges), min 10 days jail (suspendable to 1 with treatment); 2nd = ≥$500 + two $1,250 assessments, min 90 days jail. Extreme §28-1382: BAC 0.15-0.20 = ≥$250 + $250 abatement + two $1,000 assessments, min 30 days jail; super-extreme BAC ≥0.20 = ≥$500, min 45 days jail. Aggravated §28-1383 (felony): ≥$750 + $250 abatement + two $1,500 assessments, mandatory prison (4 or 8 months by priors).
Official source ↗
Florida
1st: $500-$1,000 (BAC ≥0.15 or minor passenger: $1,000-$2,000). 2nd: $1,000-$2,000 (enhanced $2,000-$4,000); ≥10 days jail if within 5 yrs. 3rd…
Full details
1st: $500-$1,000 (BAC ≥0.15 or minor passenger: $1,000-$2,000). 2nd: $1,000-$2,000 (enhanced $2,000-$4,000); ≥10 days jail if within 5 yrs. 3rd within 10 yrs: 3rd-degree felony; beyond 10 yrs: $2,000-$5,000. 4th+: ≥$2,000, 3rd-degree felony. DUI w/ property damage = 1st-deg misdemeanor; serious bodily injury = 3rd-deg felony; death = DUI manslaughter (2nd-deg felony, 4-yr mandatory min). (§316.193)
Official source ↗
Driving while suspended
Arizona
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1…
Full details
Driving on a suspended, revoked, canceled, or refused license, or while disqualified, is a class 1 misdemeanor (§28-3473). Arizona's general class 1 misdemeanor ceilings are up to 6 months jail and up to a $2,500 fine plus surcharges (ARS §13-707 / §13-802).
Official source ↗
Florida
Florida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS, general = 2nd-degree misdemeanor (1st; up to…
Full details
Florida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS, general = 2nd-degree misdemeanor (1st; up to 60 days/$500), 1st-degree misdemeanor (2nd+; up to 1 yr/$1,000), with a min 10 days jail on a 3rd+; 3rd-degree felony on a 3rd+ if the suspension is DUI-related (DUI, refusal, death/serious-injury offense, fleeing) (322.34(2)(c)). Habitual traffic offender driving (322.264) = 3rd-degree felony (322.34(5)). CMV while suspended/disqualified = 1st-degree misdemeanor (1st), 3rd-degree felony (2nd+) (322.34(7)). financial-responsibility / administrative track (322.34(10)) — suspended solely for failing to maintain FR under Ch. 324, child support, or unpaid obligations: lighter — 2nd-degree misdemeanor (1st), 1st-degree misdemeanor (2nd+), with a nolo-election option (322.34(11)). Arrest while suspended for an FR reason triggers vehicle impound/immobilization (322.34(8)). Penalty ranges from FL Stat. 775.082-083: 2nd-deg misd up to 60 days/$500; 1st-deg misd up to 1 yr/$1,000; 3rd-deg felony up to 5 yrs/$5,000.
Official source ↗

CDL

CDL consequence
Arizona
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC…
Full details
Per §28-3312, MVD disqualifies a CDL: 1 year for a first major offense — test refusal (§28-1321), driving a CMV under the influence or with BAC ≥0.04, leaving the scene, using a vehicle in a felony, causing a fatality by negligent operation, driving a CMV while already disqualified, OR a regular DUI committed in a personal (non-commercial) vehicle (chapter 4, article 3 violation). 3 years if the offense occurred while hauling placarded hazmat. Lifetime for two or more such offenses (reducible to 10 years by rule). Permanent for a controlled-substance trafficking felony or a human-trafficking offense committed with a CMV. Out-of-service-order violations: 180 days / 2 years / 3 years. Railroad-crossing violations: 60 / 120 days / 1 year. Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days. CDL alcohol threshold is 0.04. Disqualification begins 10 days after MVD logs the conviction.
Official source ↗
Florida
Florida CDL disqualification (FL Stat. 322.61, federal FMCSA structure). 1-year (first major offense): DUI including in a NON-commercial vehicle…
Full details
Florida CDL disqualification (FL Stat. 322.61, federal FMCSA structure). 1-year (first major offense): DUI including in a NON-commercial vehicle (322.61(3)(b)1), CMV at 0.04+ BAC, leaving the scene, felony with a vehicle, refusal, CMV-while-disqualified, negligent-operation fatality. 3-year if transporting hazardous materials (4). permanent for a 2nd major offense (5), a controlled-substance manufacture/distribution felony with a vehicle (6), or a human-trafficking felony with a CMV (7). Serious-violation ladder: 60 days (2nd in 3 yrs) / 120 days (3rd) — reckless, 15+ over, texting, handheld, etc. Plus out-of-service-order and railroad-crossing ladders. CMV alcohol threshold 0.04. Important for CDL holders: a DUI in a personal vehicle still triggers a 1-year CDL disqualification.
Official source ↗