Florida FR-44 requirements, explained
Everything Florida requires for an FR-44 in one place: what it is, who needs it, the 100/300/50 limits, the three-year continuous rule, and how owner and non-owner policies differ.
- ✓ What FR-44 actually is
- ✓ Who has to carry it
- ✓ The 100/300/50 limits
- ✓ The 3-year continuous rule
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What does Florida require for FR-44?
Three things, and we handle all of them for you: the higher limits, the state filing, and continuous coverage for the required term.
Higher liability
Coverage raised to 100/300/50, well above Florida’s standard minimum.
A filed certificate
Your insurer files the FR-44 with the FLHSMV as your proof of coverage.
Kept for ~3 years
Maintained continuously, with no lapse, until the requirement ends.
Who has to carry FR-44 in Florida?
Florida requires FR-44 after a DUI conviction under Statute 324.023, before it will reinstate your license. It applies whether or not you own a car.
- You were convicted of a DUI in Florida
- You need your license reinstated
- You own a car, or you do not
The FR-44 requirements, one by one
Each requirement is set by the state. Missing any one of them can stall your reinstatement.
100/300/50 limits Required
$100k bodily injury per person, $300k per accident, $50k property damage.
About three years Required
Continuous coverage, from the date your license is reinstated.
The FLHSMV filing Required
The FR-44 certificate must be on file with the state, not just purchased.
Owner or non-owner Required
An owner policy if you drive your own car, a non-owner policy if you do not.
The rule people miss most
- Coverage must stay continuous. If it lapses, your insurer notifies the state and your license can be re-suspended.
- A lapse can restart the three-year clock, so keeping the policy active is the single most important thing you can do.
- Florida also requires PIP on every auto policy, which stays part of your FR-44 coverage.
What are the FR-44 coverage limits?
Florida FR-44 requires 100/300/50. Next to the standard state minimum, the jump is dramatic, and it is exactly why the requirement exists: to prove you carry real financial responsibility.
How do I meet the FR-44 requirement?
You do not have to navigate the FLHSMV alone. We place the coverage and handle the filing.
Get a quote
We price a policy that meets the 100/300/50 requirement across carriers.
We file the certificate
Your FR-44 is filed electronically with the FLHSMV as your proof.
Keep it continuous
Maintain the policy for the required term, and we re-shop it at each renewal.
FR-44 requirement vs a standard policy
FR-44 changes three specific things about an otherwise normal Florida auto policy.
| FR-44 requirement | Standard Florida policy | |
|---|---|---|
| Bodily injury liability | 100/300/50 | Not required |
| Property damage | $50,000 | $10,000 |
| State filing | FR-44 certificate | None |
| Duration | About 3 years continuous | Ongoing |
| Triggered by | A DUI conviction | N/A |
What does meeting the requirement cost?
The filing fee itself is minimal. The premium reflects the higher required liability, and it depends on the factors below. Comparing carriers is the biggest lever on your price.
What shapes your rate
We shop multiple carriers, apply every discount, and re-shop each renewal as the DUI ages and rates ease.
FR-44 rates differ a lot between insurers. We line them up so you meet the requirement for less.
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They walked me through exactly what Florida required and handled the whole FR-44 filing. No guessing, no runaround. Highly recommend.Mark D. · Verified Google review
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FR-44 requirement questions, answered
Is FR-44 required in Florida?
Yes, after a DUI conviction. Florida will not reinstate your license until an FR-44 certificate is on file with the FLHSMV proving you carry the higher liability limits.
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, well above the standard state minimum.
How long do I need FR-44 in Florida?
About three years of continuous coverage, starting from the date your license is reinstated. A lapse can restart the term, so keep the policy active the whole time.
Do I need FR-44 if I don't own a car?
Yes. Drivers without a vehicle meet the requirement with a non-owner FR-44, which is usually the most affordable option.
What happens if my FR-44 lapses?
Your insurer notifies the state and your license can be re-suspended. The required period can also restart, so continuous coverage is essential.
Does FR-44 only apply in Florida?
FR-44 is used only in Florida and Virginia. Most other states use SR-22 for financial-responsibility filings after driving violations.
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.
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