Can High Risk Drivers Buy PIP Insurance?
June 24, 2025
High-risk drivers in Florida are required to carry Personal Injury Protection coverage, just like all other drivers in the state. However, obtaining insurance can be more challenging for high-risk drivers due to higher premiums and limited coverage options, which often depend on their driving record. Additionally, some insurance companies may impose restrictions on coverage, even for mandatory policies like PIP.
One significant factor for high-risk drivers is the possibility of having to file an SR-22 certification. While it is not insurance itself, the SR-22 or FR-44 acts as proof that the driver has acquired the minimum required insurance, including Florida’s specific coverage requirements. Because high-risk drivers are statistically more likely to make claims, they often pay significantly higher premiums across all types of coverage, including “no-fault” PIP insurance.
For drivers in this category, it’s essential to explore all available options. Shopping around and comparing quotes from various insurance providers can help high-risk drivers find the most suitable policy to meet their needs. The simplest remedy for fixing your high-risk insurance status is to improve your driving habits and clean up your record. Understand that it will take time for you to regain your status, but as a preferred driver, you can earn more competitive auto insurance premiums with better choices for additional coverage.
How long are you considered a high-risk?
High-risk drivers in Florida face unique challenges when it comes to securing affordable car insurance. Traffic violations such as speeding, at-fault accidents, and serious offenses like DUIs significantly impact a driver’s record, often resulting in higher premiums. Depending on the infraction, some violations may remain on a driving record for 3-5 years, while major offenses, like a DUI, can affect insurance rates for up to 10 years. Insurance companies view these drivers as a higher liability due to their increased risk of making claims.
Young drivers under 25, particularly teenagers with limited driving experience, are often considered high-risk. Statistics show that teens are more likely to be involved in accidents, especially within their first year behind the wheel. Older drivers over 65 may also be categorized as high-risk, although this can sometimes be mitigated through defensive driving courses or senior-focused plans. Additionally, in Florida, factors like a low credit score can further contribute to higher insurance premiums.
Florida does require all high-risk drivers to maintain PIP insurance coverage, just like all other drivers in the state. However, securing insurance as a high-risk driver often comes with challenges, including increased premiums and fewer coverage options. For more serious infractions, some drivers may also need to file financial certification that serves as proof of minimum insurance coverage. Given these hurdles, it becomes crucial for high-risk drivers to shop around and compare quotes to find an affordable policy that meets their needs.
Fixing High-Risk Status in Florida
The best way to lower your high-risk status is by consistently practicing safe driving habits. Avoid traffic violations like speeding tickets, DUIs, and at-fault accidents, as these are major contributors to higher premiums. Enrolling in a state-approved defensive driving course, can help you regain control of your driving behavior. Completing such a program and maintaining a clean driving record demonstrates responsibility and helps rebuild trust with insurance carriers to fix your high-risk driver status in the Sunshine State.
But, despite being considered high-risk, there are still ways to find more affordable PIP coverage, including:
- No-Fault PIP Insurance - In Florida, all drivers, including those considered high-risk, are mandated by law to carry PIP insurance as a part of their auto insurance policy. This requirement ensures that in the event of an accident, medical expenses and other related losses (like lost wages) are covered regardless of who was at fault. While some insurance companies may deny coverage or offer limited options, many major carriers offer insurance to high-risk drivers, including PIP coverage.
- PIP within Standard Policies - While high-risk drivers might face higher premiums, they can still access the same types of coverage as standard drivers, including PIP, through their auto insurance policies. PIP coverage pays for medical expenses and lost wages resulting from an accident, regardless of who is at fault, up to the policy limits. Insurance companies licensed to do business in Florida are required to offer PIP as part of their standard auto insurance policies.
- Specialized High-Risk Insurers - High-risk drivers may find it easier or necessary to work with insurance companies that specialize in providing coverage for non-standard risks. These insurers are more likely to offer policies to drivers with problematic driving records, such as those with DUIs or multiple accidents. An independent insurance agent at Nsurance Nation can help you find the best high-risk carriers for you to obtain the Florida PIP insurance coverage you need.
- SR-22 or FR-44 Requirements - In certain cases, high-risk drivers may be required to file an SR-22 or FR-44 certification, which isn't insurance itself but verifies that the driver has the minimum required insurance, including PIP which is applicable in the state of Florida. Both certificates are proof of financial responsibility, but FR-44 is generally required for more serious offenses like DUIs. SR-22 is typically used for less severe violations, such as accidents while uninsured or accumulating too many points on a license.
It's beneficial for high-risk drivers to work with an insurance agent who can help them navigate their options and find the best coverage for their specific circumstances. This includes comparing quotes from multiple providers, exploring specialized high-risk policies, and looking for discounts. Some companies are known for offering more competitive rates to high-risk drivers in Florida. In conclusion, high-risk drivers in Florida are legally required to carry PIP insurance and can purchase it through various insurance providers, though they may face higher premiums.
Avoid lapses in Florida PIP coverage...
If your license has been suspended, it’s crucial to serve the mandatory suspension period while maintaining your insurance coverage. However, continuous PIP insurance coverage is essential, as it offers medical and liability coverage even when you’re not driving – for instance, as a pedestrian or cyclist. Any lapses in PIP insurance can negatively impact your overall risk profile and increase your ongoing insurance costs. Factors like the number of prior PIP claims, driving record, and the specific insurance carrier will also influence the cost and availability of PIP insurance for high-risk drivers. Also focus on safe driving habits and consider enrolling in a state-approved defensive driving course like the Advanced Driver Improvement program. Completing a program may even earn you insurance discounts. Over time, maintaining a clean driving record and comparing quotes from various insurers, including those specializing in high-risk drivers, can help you access more affordable coverage and transition back to standard insurance plans.
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Florida is a no-fault state and requires all drivers to carry PIP insurance, regardless of their risk level. This means high-risk drivers in Florida are legally obligated to have PIP coverage. Being classified as a "high-risk driver" in Florida, often due to a history of traffic violations or serious offenses like DUI, carries significant consequences like increased insurance premiums and potential license suspension or revocation. To learn more about your PIP insurance options, contact Nsurance Nation today.
