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If your Florida driver’s license was suspended after a DUI conviction or alcohol-related offense, you’ll likely need to file FR44 insurance before your driving privileges can be reinstated.
Florida’s FR44 requirements are among the strictest in the country. Whether you own a vehicle or need non-owner FR44 insurance, this page explains how the filing works, what coverage limits apply, and what to expect from the process.
Please note: BadDrivingRecord.com is not currently writing insurance in Florida. The information on this page is provided for informational purposes only.
An FR44 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 SR22 filing, but FR44 coverage carries significantly higher liability limits due to the severity of the violation.
The FR44 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 FR44 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 FR44 requirement ensures that anyone convicted of a DUI has sufficient financial protection if they cause injury or property damage while driving.
/ When you purchase a policy that includes an FR44 filing, your insurance provider submits the FR44 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 FR44 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 FR44 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 non-owner FR44 policy may be required instead. It fulfills the same state filing requirement and keeps you legally protected when driving a borrowed or rented vehicle.
To satisfy Florida’s FR44 requirement, your auto insurance policy must meet the following minimum liability limits:
/ $100,000 for bodily injury per person
/ $300,000 for bodily injury per accident
/ $50,000 for property damage liability
These limits are significantly higher than the standard SR22 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.
The process of obtaining FR44 insurance in Florida generally follows these steps:
Provide your basic information and details about your license status, conviction, and any current or past insurance coverage.
Compare rates and coverage options from FR44-approved carriers in Florida to find a policy that fits your needs and budget.
Once a plan is chosen, coverage typically begins upon payment.
Your insurer submits the FR44 certificate directly to the FLHSMV, often the same day.
Many carriers provide the insurance ID card and FR44 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.
FR44 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.
Most drivers are required to maintain FR44 insurance for three consecutive years after their license reinstatement. If your policy lapses or is canceled, your insurer must notify the state, and your license will be suspended until the filing is re-established.
The cost of FR44 insurance depends on several factors, including your driving history, age, location, and vehicle type. Because FR44 policies require higher liability limits, they are generally more expensive than standard auto insurance. However, rates vary widely between carriers, so comparing multiple options is the best way to find competitive pricing for your situation.
Both FR44 and SR22 are proof-of-financial-responsibility filings, but they apply to different situations. SR22 is used for drivers with suspensions due to uninsured accidents or coverage lapses, while FR44 is specifically required for DUI or alcohol-related convictions and mandates much higher liability limits (100/300/50 vs. 10/20/10 for SR22).
Yes. Once you’ve maintained continuous FR44 coverage for the required three years, you can typically remove the FR44 filing and convert your policy to a standard auto insurance plan with normal liability limits. Your insurer will then notify the state that you’ve completed your filing obligation.
If your FR44 insurance policy is canceled or lapses for any reason, your insurer must immediately notify the FLHSMV. Your driver’s license will then be automatically suspended until you reinstate the policy, pay the required DMV reinstatement fee, and file a new FR44 certificate.
Yes. If you don’t currently own a vehicle but still need to meet Florida’s FR44 requirement, you can purchase a Non-Owner FR44 policy. This type of policy provides liability coverage when you drive a borrowed or rented car and satisfies the same state filing requirements needed for reinstatement.
Flexible payment options are commonly available to help drivers stay compliant without breaking their budget.
Many carriers in Florida offer FR44 coverage, and comparing them is the best way to find competitive rates.
FR44 certificates and ID cards are often issued immediately after payment—no waiting.
Non-owner policies are available for drivers who don’t own a vehicle but still need FR44 coverage.
FR44 certificates are filed directly with the Florida DMV for fast processing.
FR44 requirements apply throughout Florida, including major cities such as Jacksonville, Tampa, Orlando, Saint Petersburg, Miami, Tallahassee, and Palm Beach.
Getting your Florida driver’s license reinstated after a DUI doesn’t have to be complicated.
Understanding how Florida FR44 filings work—and what coverage the state requires—is the first step toward getting back on the road legally and confidently.
Request a call from us, and we’ll get back to you as soon as possible!