How Much Does FR-44 Insurance Cost in Florida?
FR-44 costs more than standard insurance because Florida requires 100/300/50 limits after a DUI. There is no flat rate, here is what drives your price and how to pay less.
FR-44 insurance in Florida costs more than a standard policy for two reasons: the state requires far higher liability limits (100/300/50), and the filing follows a DUI, which raises your risk profile. There is no flat rate. Your price depends on your driving record, your ZIP code, and your vehicle, and most of all on which carrier you choose, so comparing insurers is the single biggest way to pay less.
Why does FR-44 cost more than regular insurance?
FR-44 costs more because it forces two expensive things to happen at once: your coverage jumps to Florida’s highest liability limits, and it is triggered by a DUI, which insurers treat as high risk. Understanding both is the key to understanding your price.
First, the coverage floor is much higher. A standard Florida policy can be written at the state minimum, but an FR-44 must carry 100/300/50 liability: $100,000 in bodily injury per person, $300,000 per accident, and $50,000 in property damage. Those are the FR-44 coverage limits Florida requires, and they are several times the minimum most drivers carry. More coverage always means more premium.
Second, the FR-44 requirement is tied to a DUI conviction. Insurers price a DUI as one of the highest-risk events on a driving record, so the rate on the policy behind the filing is elevated on its own, before the higher limits are even added. The filing itself, the FR-44 certificate the insurer sends to the state, adds only a small administrative fee. The premium, not the paperwork, is what you feel.
What determines your FR-44 cost in Florida?
Your FR-44 price is not one number the state sets. It is a premium each insurer calculates from your risk, which is why two drivers on the same street can pay very differently. These are the factors that move it the most.
- Your driving record. The DUI itself, plus any other tickets or at-fault accidents, is the biggest single driver of the rate.
- Where you live. Your ZIP code reflects local claim frequency and theft rates, so a Miami-Dade driver and a rural Marion County driver are rated differently.
- Owner vs non-owner. Insuring a specific vehicle costs more than a non-owner FR-44 that covers only you as a driver.
- Your vehicle. The year, make, model, and whether you carry physical-damage coverage all change the number.
- Continuous coverage. A lapse in the policy behind your filing is reported to the state and usually raises your rate, or restarts the clock.
- The carrier. High-risk insurers price DUIs very differently from one another. This is the factor you control most.
Why we do not quote a flat price
Anyone who advertises a single FR-44 price is guessing. Because carriers weigh a DUI so differently, the only honest number is the one that comes from comparing several insurers for your exact profile.
Owner vs non-owner FR-44: which is cheaper?
A non-owner FR-44 is almost always the cheaper way to satisfy the requirement, because it covers only you as a driver rather than a specific car. If no vehicle is registered in your name, it is usually the lowest-cost path to getting your license back.
| Owner FR-44 | Non-owner FR-44 | |
|---|---|---|
| What it covers | Your vehicle and you | You, in any car you drive |
| Liability limits | 100/300/50 | 100/300/50 |
| Physical damage | Available | Not included |
| Typical cost | Higher | Lower, the cheapest way to comply |
| Best for | Drivers who own a car | Drivers with no registered vehicle |
The catch is eligibility: if a car is registered to you, most insurers will not write a non-owner policy, because that vehicle needs its own coverage. If you genuinely do not own a car, though, ask specifically about a non-owner FR-44 before anything else.
The two levers that cut an FR-44 bill the most are comparing carriers and, if you qualify, going non-owner. Everything else is a smaller adjustment.
Seven ways to lower your FR-44 cost in Florida
You cannot erase the DUI, but you have more control over the final number than most people expect. Here is where the real savings are, roughly in order of impact.
- Compare multiple carriers. This is the biggest lever by far. The same driver can get very different FR-44 quotes, which is the whole point of shopping for cheap FR-44 instead of taking the first offer.
- Go non-owner if you do not need to insure a car. It is the single cheapest structure that still satisfies Florida.
- Keep your coverage continuous. A lapse is reported to the state and almost always costs you more, or resets your clock.
- Pay in full or set up automatic payments. Many carriers reward both with a lower rate.
- Reconsider physical-damage coverage. On an older car, dropping or adjusting comprehensive and collision can cut the premium; keep it on a financed vehicle.
- Ask about every discount. Prior insurance, homeownership, and paperless billing can all apply even on a high-risk policy.
- Keep a clean record going forward. Every year without a new incident moves you back toward standard rates.
How long will you pay FR-44 rates?
In Florida you generally must keep an FR-44 on file for about three years of continuous coverage. The good news is that the cost usually does not stay flat for all three years, it tends to ease as the DUI ages and you build a clean record.
The requirement runs continuously, so the priority is never letting the policy lapse. If it does, the insurer notifies the state and you can be right back where you started. Once the period is complete and you have driven cleanly, your rates should move closer to standard pricing, and you can shop the open market again. For the full timeline and paperwork, see our guide to FR-44 requirements in Florida, and if you are still deciding which filing you need, compare FR-44 vs SR-22.
Do not shop on price alone at renewal
When your rate improves, it is tempting to switch fast. Confirm the new carrier will keep your FR-44 on file without a gap before you cancel the old policy, a lapse costs more than any saving.
FR-44 cost FAQ
Is FR-44 more expensive than SR-22?
Yes. FR-44 requires 100/300/50 liability limits, which are double the bodily-injury limits an SR-22 requires in Florida, so an FR-44 policy generally costs more than a comparable SR-22 policy.
How much is FR-44 per month in Florida?
There is no flat monthly price. Your premium depends on your driving record, ZIP code, vehicle, and the carrier you choose. Because carriers weigh a DUI very differently, comparing several insurers is the only way to find your real number.
Does FR-44 cost go down over time?
Usually, yes. As your DUI ages and you keep a clean record with continuous coverage, your rate tends to ease over the roughly three-year period, and once the requirement ends you can shop standard rates again.
What is the cheapest way to get FR-44 in Florida?
For drivers without a registered vehicle, a non-owner FR-44 is typically the cheapest structure. Beyond that, comparing multiple high-risk carriers is the biggest way to lower the cost.
Does the FR-44 filing itself cost a lot?
No. The filing is a small, one-time administrative fee the insurer submits to the state. The real cost is the policy premium behind it, which reflects the higher liability limits and the DUI.
How long do you have to pay for FR-44 in Florida?
Florida generally requires an FR-44 on file for about three years of continuous coverage. Letting the policy lapse is reported to the state and can restart the requirement, so keeping it active is essential.
Informational only. Not legal, financial, or insurance advice. FR-44 and SR-22 requirements are set by Florida (FLHSMV) and the courts and can change; verify your specific requirement with the FLHSMV. Pricing shown is illustrative, not a quote. FR44 Insurance of Florida is an independent insurance agency and not a government entity.