The Florida agency that gets high-risk drivers back on the road
FR44 Insurance of Florida is a licensed independent agency built around one job: making FR-44 and high-risk auto insurance fast, affordable, and judgment-free.
We do the coverage other agents avoid
Most people who call us are having a bad month. A DUI, a suspended license, a filing requirement they had never heard of until a judge or the DMV brought it up. The market treats those drivers as a problem to price high and move on. We built our agency to do the opposite.
We are independent, which means we are not selling one company’s product. We compare multiple carriers for your exact situation, then file your certificate with the Florida FLHSMV electronically, often the same day you call. No lectures. No being bounced between departments.
A rough patch is temporary. Losing your ability to drive should not make it permanent.
What we specialize in
High-risk auto is not a sideline for us. It is the whole business.
FR-44 insurance
Florida’s DUI filing at 100/300/50 limits, submitted to the state and reinstatement-ready.
SR-22 filings
For non-DUI violations that still require proof of financial responsibility.
Non-owner policies
Coverage that follows you as a driver when no vehicle is registered in your name.
Auto insurance after a DUI
Full high-risk auto coverage, priced by comparing carriers rather than one insurer.
Meet your licensed agent
You work with a real, licensed Florida agent, not a call-center queue.
Evan Marcotte
Evan leads FR-44 and high-risk filings for drivers across Florida, from Miami to the Panhandle. He reviews the coverage guidance on this site and personally handles same-day FLHSMV filings so clients get back on the road without the stress.
Our promise to you
Three things you can count on, every time you call.
No judgment, ever
Everyone hits a rough stretch. We treat you like a neighbor who needs a hand, not a case number to process.
We shop, you save
Being independent means we compare multiple carriers for your situation instead of quoting one and hoping.
Filed the same day
We submit your FR-44 to the FLHSMV electronically, so your reinstatement can start today, not next week.
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.
Get your free FR-44 quote
Same-day filing available. Talk to a licensed Florida agent. Ask for Evan.