FR-44 insurance with a car in Florida
Own or lease a vehicle and need FR-44 after a DUI? We build an owner policy that meets Florida’s 100/300/50 limits, file it with the FLHSMV the same day, and shop multiple carriers so you pay less. Serving every county from our Sarasota office.
- ✓ No credit check to quote
- ✓ Multiple carriers compared
- ✓ Comprehensive & collision available
- ✓ Same-day FLHSMV filing
Get your owner FR-44 quote
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By submitting, you agree to be contacted about your quote. Your info is never sold. This is a quote request, not a bind of coverage.
What is an owner FR-44 policy?
It is not a separate policy. It is your auto insurance, written at Florida’s higher post-DUI limits, plus a certificate your insurer files with the state.
Your auto policy
Owner coverage on the car you drive, at the 100/300/50 limits Florida requires after a DUI.
FR-44 filing
Your insurer files the FR-44 certificate electronically with the FLHSMV as proof.
License reinstated
With the filing on record, the state can lift your suspension and put you back on the road.
Who needs FR-44 with a car?
You need an owner FR-44 if a Florida DUI conviction requires the filing and a vehicle is registered to you or your household.
- You own, finance, or lease a car
- A vehicle is registered in your household
- You drive daily and want full coverage
What does an owner FR-44 policy cover?
Your policy carries the required liability and Florida PIP, with optional protection you can add for your own vehicle.
Liability Required
Bodily injury and property damage at 100/300/50, the limits filed with the state.
PIP Required
Personal injury protection, which Florida requires on every auto policy.
Uninsured motorist Optional
Protects you if an at-fault driver has little or no insurance. Recommended.
Comp & collision Optional
Covers damage to your own car. Usually required if the vehicle is financed or leased.
Keep in mind
- Keep coverage continuous for about 3 years. A lapse is reported to the state and can restart the clock.
- Sell your car and you switch to a non-owner FR-44 so the filing stays active.
- List every household driver and vehicle so a claim is never denied.
How much coverage does FR-44 require?
Florida FR-44 requires 100/300/50. Next to the standard state minimum, the jump is dramatic, and it is the main reason FR-44 costs more.
How fast can I get my FR-44 filed?
Often the same day. Once you choose coverage and make your first payment, we file electronically with the FLHSMV.
Get a quote
Call or use the form. We only ask what we need to price an owner FR-44.
Choose coverage
We compare carriers and show you the lowest owner-policy rate we can find.
We file with the state
Your certificate goes to the FLHSMV as proof, so reinstatement can move forward.
Owner vs non-owner FR-44
If you own or lease a car, you need an owner policy. If you do not, a non-owner FR-44 satisfies the same requirement for less.
| Owner (this page) | Non-owner | |
|---|---|---|
| Best for | Drivers who own or lease | Drivers with no vehicle |
| What it insures | Your specific car | You, in any car you drive |
| Liability limits | 100/300/50 | 100/300/50 |
| Comp & collision | Available | Not included |
| Typical cost | Higher | Usually more affordable |
How much does FR-44 with a car cost in Florida?
There is no flat price. The filing fee itself is minimal; the premium rises because FR-44 requires higher liability. Because rates vary widely between carriers, shopping is the biggest lever on what you pay.
What drives your price
We shop multiple carriers at once, apply every discount you qualify for, and re-shop at each renewal as the DUI ages and rates ease.
FR-44 rates differ a lot between insurers. We line them up so you never overpay for a required filing.
Get my free quoteWhy owner-policy drivers choose us
Evan got my owner FR-44 filed the same afternoon and cut my quote nearly in half. I had my license back that week.Roberto M. · Verified Google review
Reviews are from our Google Business Profile. Individual results and pricing vary.
Owner FR-44 questions, answered
Can I add FR-44 to my existing policy?
Sometimes. If your current carrier writes FR-44 filings in Florida, they can add it. Many drivers save more by switching carriers, which is exactly what we compare for you.
What if my vehicle is financed or leased?
Your lender will usually require comprehensive and collision coverage in addition to the FR-44 liability limits. We build the policy to satisfy both the state and your lender.
Do I have to list everyone in my household?
Yes. Carriers ask you to list household drivers and vehicles. Leaving someone off can void coverage, so we list everyone and still find the best price.
Can I buy a new car during the FR-44 period?
Yes. Add the new vehicle to your owner policy and keep the FR-44 filing active. Call us before you buy so there is no gap in coverage.
Will my 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 renewal to capture that.
How fast can I get an owner FR-44 filed?
Often the same day. Once you choose coverage and make your first payment, we file your FR-44 certificate electronically with the FLHSMV so your reinstatement can move forward.
Informational only. Not legal, financial, or insurance advice. FR-44 requirements are set by Florida (FLHSMV) and the courts and can change, so verify your specific requirement with the FLHSMV. Pricing shown is illustrative, not a quote.
FR-44 guides on this topic
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Same-day filing available. Talk to a licensed Florida agent. Ask for Evan.