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Florida vs Texas

Bottom line

Texas requires more property-damage coverage than Florida ($25,000 vs $10,000). Both require an SR-22 filing for certain violations. Texas 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 Texas

The differences drivers should know.

Bodily injury / person
Florida$10,000
Texas$30,000
Texas requires higher bodily-injury coverage.
Bodily injury / accident
Florida$20,000
Texas$60,000
Texas requires higher bodily-injury coverage.
Property damage
Florida$10,000
Texas$25,000
Texas requires more property-damage coverage.
UM/UIM requirement
FloridaOptional — not required (Florida is a no-fault/PIP state).
TexasOptional — not part of the required minimum (insurers must offer; driver may reject in writing).
FR-44 required
FloridaYes
TexasNo
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…
Texas2 years
Clock starts from
FloridaFrom reinstatement
TexasDate of most recent conviction (or judgment date for a crash judgment)
Non-owner SR-22
FloridaYes (available); Florida does not issue a non-owner certificate if the person has vehicles registered…
TexasYes
License reinstatement
Florida$150 (1st) / $250 (2nd) / $500 (each subsequent within 3 years). A separate $15 fee applies to certain…
Texas$100 (flat)
Texas costs less to reinstate.
Registration reinstatement
FloridaIncluded in the single reinstatement fee (§324.0221(3): one fee covers both license and registration).
TexasIncluded in the single $100 fee (Sec. 601.376(c))
No-insurance, first offense
FloridaNo criminal fine ladder — enforced administratively via license/registration suspension. Reinstatement…
Texas$175-$350
No-insurance, repeat offense
Florida$250 (2nd) / $500 (subsequent within 3 yrs) reinstatement fee.
Texas$350-$1,000
DUI suspension
FloridaLicense revoked on DUI conviction; IID mandatory: ≥6 months (1st, if BAC ≥0.15 or minor in vehicle;…
TexasAdult: up to 2 years. Minor (<21): 1 year (18 months for subsequent); 90-day possible with interlock…
DUI fine range
Florida1st: $500-$1,000 (BAC ≥0.15 or minor passenger: $1,000-$2,000). 2nd: $1,000-$2,000 (enhanced…
TexasTexas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail;…
Driving while suspended
FloridaFlorida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS,…
TexasDWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee.…
CDL consequence
FloridaFlorida CDL disqualification (FL Stat. 322.61, federal FMCSA structure). 1-year (first major offense):…
TexasA DWI conviction disqualifies a CDL. A Texas occupational license is valid for non-commercial vehicles…
View full comparison ↓

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).
Texas2019-09-01 — Driver Responsibility Program (surcharges) repealed (HB 2048).

Full comparison

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

Coverage

Bodily injury / person
Florida
$10,000
Official source ↗
Bodily injury / accident
Florida
$20,000
Official source ↗
Property damage
Florida
$10,000
Official source ↗
UM/UIM requirement
Florida
Optional — not required (Florida is a no-fault/PIP state).
See Florida sources ↗
Texas
Optional — not part of the required minimum (insurers must offer; driver may reject in writing).
See Texas 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 ↗
Clock starts from
Florida
From reinstatement
Official source ↗
Texas
Date of most recent conviction (or judgment date for a crash judgment)
Official source ↗
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
Florida
~$15-25 (charged by the insurer, not FLHSMV)
See Florida sources ↗
Texas
~$15-25 (charged by the insurer, not DPS)
See Texas sources ↗
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 ↗
Texas
$100 (flat)
Official source ↗
Registration reinstatement
Florida
Included in the single reinstatement fee (§324.0221(3): one fee covers both license and registration).
Official source ↗
Texas
Included in the single $100 fee (Sec. 601.376(c))
Official source ↗

Penalties

No-insurance, first offense
Florida
No criminal fine ladder — enforced administratively via license/registration suspension. Reinstatement fee $150 (1st).
Official source ↗
Texas
$175-$350
Official source ↗
No-insurance, repeat offense
Florida
$250 (2nd) / $500 (subsequent within 3 yrs) reinstatement fee.
Official source ↗
Texas
$350-$1,000
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…
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 ↗
Texas
Adult: up to 2 years. Minor (<21): 1 year (18 months for subsequent); 90-day possible with interlock community supervision.
Official source ↗
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…
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 ↗
Texas
Texas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail; dollar maxima come from the Penal Code Ch. 12…
Full details
Texas 'DWI' (Penal Code Ch. 49), by prior convictions. Ch. 49 sets the offense class and minimum jail; dollar maxima come from the Penal Code Ch. 12 class ranges. 1st DWI (49.04) = Class B misdemeanor, min 72 hours jail (6 days if open container), up to $2,000 — elevated to Class A (up to $4,000) if BAC 0.15+ (49.04(d)). 2nd DWI (49.09(a)) = Class A misdemeanor, min 30 days, up to $4,000. 3rd+ DWI (49.09(b)) = 3rd-degree felony, 2-10 years, up to $10,000. DWI with child passenger <15 (49.045) = state jail felony, up to $10,000. IID required for a 2nd+ within 5 years (49.09(h)); entitlement to use the substance is no defense (49.10).
Official source ↗
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…
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 ↗
Texas
DWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee. Operating during a registration suspension (Sec.…
Full details
DWLI: additional suspension period, then reinstatement needs an SR-22 (2 yrs) plus the $100 fee. Operating during a registration suspension (Sec. 601.371): $100-$500 fine and 72 hours-6 months jail; a repeat is a Class A misdemeanor. Operating without required FR (Sec. 601.195): up to $500 and/or up to 6 months jail.
Official source ↗

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…
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 ↗
Texas
A DWI conviction disqualifies a CDL. A Texas occupational license is valid for non-commercial vehicles only.
Official source ↗