FR-44 insurance in Florida, filed the same day.
A DUI means the state wants an FR-44 before you can drive again. We quote it fast, keep it affordable, and file it with the FLHSMV so you get your license back. With a car or without one.
- No credit check to quote
- We compare multiple carriers
- Owner & non-owner options
- Florida-only FR-44 specialists
We often beat the first quote drivers bring us. Ask for Evan.
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Just got a DUI in Florida? Here's what you're up against.
Four things land on you at once. We take each one off your plate.
What is FR-44 insurance?
FR-44 is not a policy. It's a certificate your insurer files with the Florida FLHSMV proving you carry higher liability after a DUI. That filing is what lets the state reinstate your license.
The filing itself costs only a few dollars. What raises your price is the coverage behind it, because FR-44 requires double the standard liability. As an independent Florida agency, we shop multiple carriers and file for you, often the same day.
Read the full requirements
Who needs FR-44 in Florida?
Florida requires FR-44 after a DUI conviction before it will reinstate your license (Fla. Stat. §324.023), whether or not you own a car.
Convicted of a DUI
A Florida DUI triggers the requirement. It's part of getting your license back.
License suspended
Filing the FR-44 helps lift the suspension. It's not a reason you can't get covered.
You own a car
You need an owner FR-44 that covers your vehicle at the higher limits.
You don't own a car
A non-owner FR-44 covers you as a driver, usually the cheapest way to comply.
FR-44 requires far higher coverage
Florida normally doesn't require bodily-injury liability at all. FR-44 changes that, which is why it costs more than a standard policy. Drivers know it as 100/300/50.
| Coverage | Standard | FR-44 |
|---|---|---|
| Bodily injury / person | $10,000 | $100,000 |
| Bodily injury / accident | $20,000 | $300,000 |
| Property damage | $10,000 | $50,000 |
Owner or non-owner: which FR-44 do you need?
One question decides which policy is cheapest for you. Do you own a vehicle?
FR-44 with a car
You own or lease a vehicle.
- Insures your specific car at 100/300/50
- Comprehensive & collision available
- Filed with the FLHSMV
FR-44 without a car
You don't own a vehicle.
- Coverage follows you, not a car
- Usually more affordable
- The cheapest way to reinstate
How much does FR-44 cost in Florida?
There's no single price. The filing fee is small. The premium for doubling your liability is the real cost. These six things move your number the most.
The biggest way to lower FR-44? Compare carriers.
FR-44 rates vary a lot between insurers. We shop several at once so you never overpay for a required filing. How to get cheap FR-44
Your FR-44, from filing to finished
FR-44 is temporary. Here's the road from the day you file to the day it comes off.
File and reinstate
We file your FR-44 with the FLHSMV, often same day, so your reinstatement can move forward.
Keep it continuous
Pay on time and avoid any lapse. A lapse notifies the state and can restart the clock.
We re-shop it
As the DUI ages, rates ease. We re-quote your policy at renewal to keep the price down.
It comes off
Once you finish the required period with no lapse, the FR-44 requirement ends.
The FR-44 Fast-Track: back on the road in 3 steps
Get a free quote
Call or fill out the short form. We only ask what we need to price your FR-44.
Choose your coverage
We show you owner and non-owner options and the lowest rate we can find.
We file with the state
We submit your FR-44 to the FLHSMV, often the same day, so your license gets reinstated.
Why drivers across Florida call us first
- Some of the lowest FR-44 rates in Florida
We compare carriers so you don't overpay for a required filing.
- Same-day filing
Need proof today to lift a suspension? We can often file the same day you call.
- Approved even after a DUI
A DUI or a suspended license doesn't stop us from getting you covered.
- Owner and non-owner
With a car or without one, there's an FR-44 option that fits.
- Florida, every county
We specialize in Florida FR-44, not a 50-state generalist.
- A real person named Evan
Talk to a licensed Florida agent who has done this a thousand times.
We specialize in drivers other agencies turn away.
A DUI is a hard day, not a life sentence. We won't lecture you, and we won't quote you a scary number to make a point. We find you the lowest FR-44 we can, file it fast, and get you moving again.
What Florida drivers say
“Evan got my FR-44 filed the same afternoon and cut my quote nearly in half. I had my license back that week.”
Verified Google review
“I don't own a car and thought I was stuck. They set me up with a non-owner FR-44 for way less than I expected.”
Verified Google review
“Evan cut my quote nearly in half compared to what I was quoted elsewhere. Fast, friendly, no judgment. Ask for Evan.”
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Reviews are from our Google Business Profile. Individual results and pricing vary.
FR-44 insurance across Florida
We serve every county in Florida. Start with your city, or call and we'll handle it from anywhere in the state.
FR-44 insurance, answered
What is FR-44 insurance?
FR-44 is a certificate your insurer files with the Florida FLHSMV proving you carry higher-than-standard liability after a DUI. It is not a separate policy. It is a filing attached to your auto insurance, and it is what lets the state reinstate your license.
Who needs FR-44 in Florida?
Florida requires FR-44 after a DUI conviction before it will reinstate your license. You need it whether or not you own a car; drivers without a vehicle file a non-owner FR-44.
What are Florida's FR-44 coverage limits?
Commonly written as 100/300/50: $100,000 bodily injury per person, $300,000 per accident, and $50,000 property damage, roughly double Florida's standard minimums.
How long do I need FR-44 in Florida?
About three years of continuous coverage. If your policy lapses, the state is notified and the clock can restart, so keep it active the whole time.
Can I get FR-44 without a car?
Yes. A non-owner (operator's) FR-44 covers you as a driver rather than a specific vehicle. It is usually the most affordable way to comply because there is no vehicle to insure for physical damage.
How much does FR-44 insurance cost in Florida?
There is no flat price. The filing fee itself is minimal; your premium rises because FR-44 requires higher liability. Price depends on your record, location, vehicle, and carrier. Comparing carriers is the biggest lever, and that is what we do for you.
How fast can I get FR-44 filed?
Often the same day. We file FR-44 certificates electronically with the FLHSMV, so once you choose coverage and make your first payment, filing can happen the same day you call.
What happens if my FR-44 lapses?
If your coverage lapses, your insurer notifies the state and your license can be re-suspended, and the required period can restart. Keeping the policy continuous is the single most important thing you can do.
What is the difference between FR-44 and SR-22?
Both are state filings proving financial responsibility. FR-44 follows a DUI and requires higher liability (100/300/50); SR-22 follows lesser violations and requires only the state minimum. In Florida, a DUI means FR-44.
Do FR-44 rates go down over time?
Usually. As the DUI ages and you keep continuous coverage with no new incidents, rates tend to ease. We re-shop your policy at each renewal to capture that.
A licensed Florida agency, not a call center.
FR44 Insurance of Florida is an independent, licensed Florida insurance agency focused on FR-44, non-owner FR-44, and DUI-related coverage. We shop multiple carriers for you and file directly with the FLHSMV. Every guide on this site is reviewed by a licensed Florida agent.
Get your Florida FR-44 quote today
Same-day filing available. Talk to a licensed Florida agent. Ask for Evan.