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California vs Florida

Bottom line

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

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

Important differences between California and Florida

The differences drivers should know.

Bodily injury / person
California$30,000
Florida$10,000
California requires higher bodily-injury coverage.
Bodily injury / accident
California$60,000
Florida$20,000
California requires higher bodily-injury coverage.
Property damage
California$15,000
Florida$10,000
California requires more property-damage coverage.
UM/UIM requirement
California30/60
FloridaOptional — not required (Florida is a no-fault/PIP state).
FR-44 required
CaliforniaNo
FloridaYes
Florida uses the stricter FR-44 filing.
Filing duration
California3 years of continuous SR-22 filing
Florida2 years of maintained proof (non-DUI no-insurance/PIP reinstatement, §324.0221(3)); a 3-year…
California requires a longer SR-22 filing (3 vs 2 years).
Clock starts from
CaliforniaSuspension/reinstatement-based
FloridaFrom reinstatement
Non-owner SR-22
CaliforniaYes
FloridaYes (available); Florida does not issue a non-owner certificate if the person has vehicles registered…
License reinstatement
California$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
Florida$150 (1st) / $250 (2nd) / $500 (each subsequent within 3 years). A separate $15 fee applies to certain…
California costs less to reinstate.
Registration reinstatement
California$14 (separate fee, for a no-insurance registration suspension)
FloridaIncluded in the single reinstatement fee (§324.0221(3): one fee covers both license and registration).
No-insurance, first offense
California$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh.…
FloridaNo criminal fine ladder — enforced administratively via license/registration suspension. Reinstatement…
No-insurance, repeat offense
California$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction…
Florida$250 (2nd) / $500 (subsequent within 3 yrs) reinstatement fee.
DUI suspension
CaliforniaAPS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke.…
FloridaLicense revoked on DUI conviction; IID mandatory: ≥6 months (1st, if BAC ≥0.15 or minor in vehicle;…
DUI fine range
California$390-$1,000 (first offense, VC 23536)
Florida1st: $500-$1,000 (BAC ≥0.15 or minor passenger: $1,000-$2,000). 2nd: $1,000-$2,000 (enhanced…
Driving while suspended
CaliforniaMisdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000.…
FloridaFlorida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS,…
CDL consequence
CaliforniaMust downgrade to a Class C license to obtain a restricted license. If not operating a commercial…
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.

California2025-01-01 — minimums raised to 30/60/15 (SB 1107).
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
California
$30,000
Official source ↗
Florida
$10,000
Official source ↗
Bodily injury / accident
California
$60,000
Official source ↗
Florida
$20,000
Official source ↗
Property damage
California
$15,000
Official source ↗
Florida
$10,000
Official source ↗
UM/UIM requirement
California
30/60
Official source ↗
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
California
3 years of continuous SR-22 filing
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
California
Suspension/reinstatement-based
Official source ↗
Florida
From reinstatement
Official source ↗
Non-owner SR-22
California
Yes
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
California
~$15-25 (charged by the insurer, not the DMV)
See California sources ↗
Florida
~$15-25 (charged by the insurer, not FLHSMV)
See Florida sources ↗
License reinstatement
California
$55 standard reissue; $125 Admin Per Se (DUI) reissue; $15 DMV admin; $100 under-21 Zero Tolerance
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
California
$14 (separate fee, for a no-insurance registration suspension)
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
California
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence…
Full details
$100-$200 base fine on a first conviction, plus penalty assessments — a civil infraction under CA Veh. Code 16029(a), for failing to provide evidence of financial responsibility (16028(a)). The court may impound the vehicle and order coverage maintained for at least one year.
Official source ↗
Florida
No criminal fine ladder — enforced administratively via license/registration suspension. Reinstatement fee $150 (1st).
Official source ↗
No-insurance, repeat offense
California
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same…
Full details
$200-$500 for a subsequent conviction within three years, plus penalty assessments — civil infraction under CA Veh. Code 16029(b). Same penalty-assessment multiplier as the first-offense fine; the court may also impound the vehicle.
Official source ↗
Florida
$250 (2nd) / $500 (subsequent within 3 yrs) reinstatement fee.
Official source ↗
DUI suspension
California
APS suspension: 4 months (1st); 1 year (2nd within 10 yrs). Refusal: 1 yr / 2 yr revoke / 3 yr revoke. 30-day temp license after arrest.
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
California
$390-$1,000 (first offense, VC 23536)
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
California
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months…
Full details
Misdemeanor. No-insurance suspension (VC 14601.1): up to 6 months jail and/or $300-$1,000. Reckless/negligent suspension (VC 14601): 5 days-6 months + $300-$1,000. DUI-related: VC 14601.2.
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
California
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue…
Full details
Must downgrade to a Class C license to obtain a restricted license. If not operating a commercial vehicle at the time of the offense, a $125 reissue fee applies after a 30-day suspension. A DUI in a commercial vehicle triggers a 1-year CDL disqualification under federal rules.
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 ↗