CELEBRATING 11 YEARS IN BUSINESS!

Florida FR-44 Insurance

If your Florida driver's license was suspended after a DUI conviction or alcohol-related offense, you'll likely need to file FR-44 insurance before your driving privileges can be reinstated.

Florida's FR-44 requirements are among the strictest in the country. Whether you own a vehicle or need non-owner FR-44 insurance, this page explains how the filing works, what coverage limits apply, and what to expect from the process.

Get a Quote
FLORIDA FR-44 OPTIONS ACROSS CARRIERS
AmwinsNational GeneralSun CoastAspireBristol WestUnited AutoProgressiveInfinityThe GeneralDairyland

Understanding Florida FR-44 Insurance

An FR-44 filing is a state-mandated form that proves you carry the required level of liability insurance after a DUI or other alcohol-related conviction. It's similar to an SR-22 filing, but FR-44 coverage carries significantly higher liability limits due to the severity of the violation.

The FR-44 is not a separate type of policy—it's a certificate attached to your auto insurance policy that your insurer electronically files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to verify compliance.

Drivers are typically required to maintain continuous FR-44 coverage for three years from the date their license is reinstated. Any lapse or cancellation during that time will automatically result in another suspension until coverage is restored and the filing is resubmitted.

For Florida drivers, the FR-44 requirement ensures that anyone convicted of a DUI has sufficient financial protection if they cause injury or property damage while driving.

Florida FR-44 Insurance AI Assistant that quotes & guides.
I need an FR-44 in Florida after a DUI. What do I need to do to get my license back?

Ask about high-risk coverage, carrier options, and SR-22 or FR-44 filing requirements.

How Florida FR-44 Insurance Works

✓When you purchase a policy that includes an FR-44 filing, your insurance provider submits the FR-44 form directly to the FLHSMV. This filing notifies the state that you carry the correct level of coverage to legally reinstate your license.
✓Once the FR-44 is active, the state monitors your policy electronically for compliance. If your coverage lapses or is canceled for any reason, your insurer must notify the DMV immediately, and your driver's license will be suspended again until the policy is reinstated.
✓In addition to standard liability protection, your FR-44 policy can include options such as comprehensive and collision coverage, uninsured motorist protection, and medical payments coverage, depending on your needs and vehicle type.
✓If you do not currently own a car, a Florida non-owner FR-44 policy may be required instead. It fulfills the same state filing requirement and keeps you legally protected when driving a borrowed or rented vehicle.

Florida FR-44 Coverage Requirements

To satisfy Florida's FR-44 requirement, your auto insurance policy must meet the following minimum liability limits:

$100,000for bodily injury per person
$300,000for bodily injury per accident
$50,000for property damage liability

These limits are significantly higher than the standard SR-22 requirements because they are intended for drivers considered high-risk under Florida law. Your policy must also include Personal Injury Protection (PIP) and may include Uninsured Motorist coverage depending on the insurer.

Depending on your driving record and the circumstances of your DUI, your insurance agent may recommend higher limits or additional coverage to ensure full protection.

Young man in yellow plaid shirt smiling while driving, blurred scenery outside.

How to Get FR-44 Insurance in Florida

The process of obtaining FR-44 insurance in Florida generally follows these steps:

01
Request a Free Quote
Provide your basic information and details about your license status, conviction, and any current or past insurance coverage.
02
Compare Options
Compare rates and coverage options from FR-44-approved carriers in Florida to find a policy that fits your needs and budget.
03
Purchase Your Policy
Once a plan is chosen, coverage typically begins upon payment.
04
Electronic Filing
Your insurer submits the FR-44 certificate directly to the FLHSMV, often the same day.
05
Receive Instant Proof
Many carriers provide the insurance ID card and FR-44 certificate immediately—no waiting for paperwork by mail.
In many cases the entire process can be completed the same day you apply, moving you one step closer to reinstating your license.

What to Know About Florida FR-44 Coverage

Monthly Payments
Flexible payment options are commonly available to help drivers stay compliant without breaking their budget.
Great Rates
Many carriers in Florida offer FR-44 coverage, and comparing them is the best way to find competitive rates.
Instant FR-44 Certificate & Insurance Card
FR-44 certificates and ID cards are often issued immediately after payment—no waiting.
Non-Owner FR-44 Insurance
Non-owner policies are available for drivers who don't own a vehicle but still need FR-44 coverage.
Immediate Electronic Filing to the DMV
FR-44 certificates are filed directly with the Florida DMV for fast processing.
Statewide Coverage
FR-44 requirements apply throughout Florida, including major cities such as Jacksonville, Tampa, Orlando, Saint Petersburg, Miami, Tallahassee, and Palm Beach.

Florida FR-44 Insurance – FAQs

FAQ
What is Florida FR-44 insurance?−

FR-44 insurance is a type of auto insurance filing required by the State of Florida after a DUI or alcohol related conviction. It proves that you carry the state-mandated liability limits of 100/300/50 and allows you to legally reinstate your driver's license.

Reinstate Your License with Florida FR-44 Insurance

Getting your Florida driver's license reinstated after a DUI doesn't have to be complicated. Understanding how Florida FR-44 filings work—and what coverage the state requires—is the first step toward getting back on the road legally and confidently.