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Florida vs Ohio
Bottom line
Ohio requires more property-damage coverage than Florida ($25,000 vs $10,000). Both require an SR-22 for certain violations, though Florida files for 2 years versus Ohio's 1. Ohio generally has lower license-reinstatement costs.
✓ Official government sources
✓ Last verified June 2026
✓ 36 fields reviewed
✓ Source links on every value
Important differences between Florida and Ohio
The differences drivers should know.
Bodily injury / person
Florida$10,000
Ohio$25,000
→ Ohio requires higher bodily-injury coverage.
Bodily injury / accident
Florida$20,000
Ohio$50,000
→ Ohio requires higher bodily-injury coverage.
Property damage
Florida$10,000
Ohio$25,000
→ Ohio requires more property-damage coverage.
UM/UIM requirement
FloridaOptional — not required (Florida is a no-fault/PIP state).
OhioOptional — not part of the required minimum (insurers must offer; driver may reject in writing).
FR-44 required
FloridaYes
OhioNo
→ Florida uses the stricter FR-44 filing.
Filing duration
Florida2 years of maintained proof (non-DUI no-insurance/PIP reinstatement, §324.0221(3)); a 3-year…
OhioScenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court…
→ Florida requires a longer SR-22 filing (2 vs 1 years).
Clock starts from
FloridaFrom reinstatement
OhioFRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs…
Non-owner SR-22
FloridaYes (available); Florida does not issue a non-owner certificate if the person has vehicles registered…
OhioYes (owner and non-owner FR filings/bonds available).
License reinstatement
Florida$150 (1st) / $250 (2nd) / $500 (each subsequent within 3 years). A separate $15 fee applies to certain…
OhioScenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101.…
→ Ohio costs less to reinstate.
Registration reinstatement
FloridaIncluded in the single reinstatement fee (§324.0221(3): one fee covers both license and registration).
OhioThe FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate…
No-insurance, first offense
FloridaNo criminal fine ladder — enforced administratively via license/registration suspension. Reinstatement…
OhioAdministrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st…
No-insurance, repeat offense
Florida$250 (2nd) / $500 (subsequent within 3 yrs) reinstatement fee.
OhioLicense lost 1 year (2nd) / 2 years (additional offenses); reinstatement $300 (2nd) / $600 (3rd+).…
DUI suspension
FloridaLicense revoked on DUI conviction; IID mandatory: ≥6 months (1st, if BAC ≥0.15 or minor in vehicle;…
OhioOVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd =…
DUI fine range
Florida1st: $500-$1,000 (BAC ≥0.15 or minor passenger: $1,000-$2,000). 2nd: $1,000-$2,000 (enhanced…
OhioOVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4…
Driving while suspended
FloridaFlorida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS,…
OhioDriving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle…
CDL consequence
FloridaFlorida CDL disqualification (FL Stat. 322.61, federal FMCSA structure). 1-year (first major offense):…
OhioAn OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test)…
Recent law changes
Changes verified from official state sources.
Florida2007-10-01 — FR-44 (100/300/50 after a DUI) established (§324.023, ch. 2007-150).
Ohio2025-04-09 — OVI statute §4511.19 amended (SB 100 / HB 37, GA 135).
Full comparison
Every compared field, with the official source on each value.
Coverage
Bodily injury / person
Bodily injury / accident
Property damage
UM/UIM requirement
Ohio
Optional — not part of the required minimum (insurers must offer; driver may reject in writing).
See Ohio sources ↗SR-22 / FR-44
SR-22 required same
FR-44 required
Filing duration
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 ↗Ohio
Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained…
Official source ↗Full details
Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained through the reinstatement and runs with the court suspension term (OVI suspensions range 1 yr to 12 yrs depending on offense count, §4511.19).
Clock starts from
Ohio
FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues…
Official source ↗Full details
FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues past reinstatement.
Non-owner SR-22
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
License reinstatement
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 ↗Ohio
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by…
Official source ↗Full details
Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by §4511.191(F)(2) (commonly ~$475, higher for repeat offenses).
Registration reinstatement
Florida
Included in the single reinstatement fee (§324.0221(3): one fee covers both license and registration).
Official source ↗Ohio
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry…
Official source ↗Full details
The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry their own reinstatement.
Penalties
No-insurance, first offense
Florida
No criminal fine ladder — enforced administratively via license/registration suspension. Reinstatement fee $150 (1st).
Official source ↗Ohio
Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40…
Official source ↗Full details
Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40 reinstatement. Driving during an FRA suspension (§4510.16) is an unclassified misdemeanor, fine up to $1,000.
No-insurance, repeat offense
Ohio
License lost 1 year (2nd) / 2 years (additional offenses); reinstatement $300 (2nd) / $600 (3rd+). SR-22 maintained 1 year.
Official source ↗DUI suspension
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…
Official source ↗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.
Ohio
OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two…
Official source ↗Full details
OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two suspension (3 years to life). Limited driving privileges and IID/unlimited-privileges options available per §4510.13 / §4510.022.
DUI fine range
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…
Official source ↗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)
Ohio
OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum…
Official source ↗Full details
OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum jail/intervention escalates with each offense.
Driving while suspended
Florida
Florida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS, general = 2nd-degree misdemeanor (1st; up to…
Official source ↗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.
Ohio
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under…
Official source ↗Full details
Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under FRA suspension (§4510.16): unclassified misdemeanor, fine up to $1,000. General driving-under-suspension (§4510.11): M1. Driving under a 12-point suspension (§4510.037): M1, minimum 3-day jail (non-suspendable).
CDL
CDL consequence
Florida
Florida CDL disqualification (FL Stat. 322.61, federal FMCSA structure). 1-year (first major offense): DUI including in a NON-commercial vehicle…
Official source ↗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.
Ohio
An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd)…
Official source ↗Full details
An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd) (§4506.16(D)). Disqualification is 3 years if hauling hazmat at the time. Per §4506.16(F), the offense counts even when committed in a personal (non-commercial) vehicle if it occurred after the person obtained the CDL or on/after 9/30/2005. A test refusal also = immediate 24-hour out-of-service (§4506.17). Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days.