FR-44 insurance in Miami, Florida
A DUI in Miami-Dade means you need FR-44 before the state will give your license back. We quote it in English or Spanish, file it with the FLHSMV the same day, and shop carriers so Miami drivers pay less, from Brickell to Kendall to Hialeah.
- ✓ Filed same day with the FLHSMV
- ✓ Se habla español
- ✓ Owner & non-owner options
- ✓ Every Miami-Dade ZIP
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FR-44 insurance for Miami drivers
We are a licensed Florida agency that writes and files FR-44 across Miami and Miami-Dade County, at the state’s 100/300/50 limits, filed electronically with the FLHSMV so you can reinstate your license.
Why FR-44 can’t wait in Miami
Miami-Dade traffic is relentless and transit only reaches so far, so a suspended license here cuts you off from work fast.
- Transit only goes so farMetrorail and the Metromover cover a slice of the county, so most of Miami-Dade lives and works by car.
- The expressways ruleI-95, the Palmetto, the Dolphin, and the Turnpike carry the metro, and a suspension takes you off all of them.
- A huge, dense countyFrom Aventura to Homestead, Miami-Dade sprawls for miles, and nearly every commute is a drive.
- No slow seasonTourism, shipping, and hospitality run year-round, so every day without a license is lost income.
Who needs FR-44 in Miami?
You need FR-44 if a Miami-Dade DUI conviction requires the filing before Florida will reinstate your license, whether or not you own a car.
Convicted of a DUI Included
A DUI handled in Miami-Dade County court triggers the FR-44 requirement.
License suspended Included
Filing the FR-44 is part of lifting a Miami driver’s suspension.
You own a car Included
An owner policy covers your vehicle at 100/300/50 for I-95 and the Palmetto.
You don’t own a car Included
A non-owner FR-44 covers you as a driver, common for downtown, Brickell, and rideshare users.
The Miami reality
- Miami-Dade is Florida’s most populous county, so filing quickly keeps you ahead of the queue.
- Keep the policy continuous for about three years. A lapse is reported to the state and can restart the clock.
- We quote in English and Spanish, and cover every Miami-Dade ZIP from Miami Beach to Doral.
What coverage does FR-44 require for Miami drivers?
The statewide standard applies in Miami: FR-44 requires 100/300/50, far above Florida’s minimum. Every policy we file for Miami-Dade drivers meets it.
Owner or non-owner FR-44 for a Miami driver?
It depends on how you move through the city. Daily commuters need an owner policy; Brickell and Miami Beach residents who lean on rideshare can often go non-owner.
| Owner | Non-owner | |
|---|---|---|
| Best for | Commuters on I-95 / the Palmetto | Brickell, the Beach, rideshare users |
| What it insures | Your specific vehicle | You, in any car you drive |
| Liability limits | 100/300/50 | 100/300/50 |
| Physical damage | Available | Not included |
| Typical cost | Higher | The more affordable option |
How FR-44 filing works in Miami
You do not have to wait in a service-center line to start. We place the coverage and file the certificate, then you finish reinstatement with the county.
Get a Miami quote
Tell us a few details, in English or Spanish. We compare carriers for your ZIP.
We file with the FLHSMV
Your FR-44 certificate is submitted electronically, often the same day you call.
Reinstate with the county
Complete reinstatement through the Miami-Dade County Tax Collector, online or in person.
Where Miami drivers reinstate their license
In Miami-Dade, driver-license and reinstatement services are handled by the County Tax Collector.
Reinstatement in Miami-Dade
Once your FR-44 is on file with the state, you complete reinstatement through the Miami-Dade County Tax Collector, which runs the local driver-license offices.
- Tax Collector driver-license officesMiami-Dade Tax Collector offices handle driver-license service Monday to Friday, 8:00 AM to 5:00 PM.
- Some reinstatements onlineCertain suspensions can be handled online without an in-person visit.
- We handle the FR-44 partYour certificate reaches the FLHSMV so the county can process your reinstatement.
Miami neighborhoods and areas we cover
We write FR-44 across the city and all of Miami-Dade County, in every language and every ZIP.
Central & coastal
- Brickell & Downtown
- Wynwood & Edgewater
- Little Havana
- Miami Beach
West & suburban
- Coral Gables
- Coconut Grove
- Kendall
- Doral
Wider Miami-Dade
- Hialeah
- Aventura & North Miami
- Homestead
- Cutler Bay
Not listed? FR-44 is available in every Miami and Miami-Dade ZIP code.
FR-44 guides & answers for Miami
Why Miami drivers choose us for FR-44
After a DUI in Miami I was overwhelmed, and English is my second language. They handled everything in Spanish and filed my FR-44 the same day. Incredible.Roberto M. · Verified Google review
Reviews are from our Google Business Profile. Individual results vary.
Miami FR-44 questions, answered
Where do I reinstate my license after a DUI in Miami?
We file your FR-44 electronically with the Florida FLHSMV, then you complete reinstatement through the Miami-Dade County Tax Collector, which runs the local driver-license offices. Certain suspensions can also be handled online.
Do you offer FR-44 quotes in Spanish in Miami?
Yes. We quote and service FR-44 in both English and Spanish, which matters in a county as international as Miami-Dade. Just ask when you call.
How fast can I get FR-44 in Miami?
Often the same day. We file FR-44 certificates electronically, so once you choose coverage and make your first payment, filing can happen the same day from anywhere in Miami-Dade.
Do I need FR-44 without a car in Miami?
Yes. If a Miami-Dade DUI requires the filing but no vehicle is registered to you, a non-owner FR-44 covers you as a driver. It is popular with Brickell and Miami Beach residents who rely on rideshare.
How much does FR-44 cost in Miami?
There is no flat price. The filing fee is minimal; your premium reflects the higher required liability and depends on your record, your Miami-Dade ZIP, and the vehicle. Comparing carriers is the biggest lever, and that is what we do.
Which court handles DUI cases in Miami?
DUI cases in the area are handled in Miami-Dade County court. Once your case requires FR-44, we file the certificate with the state 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.
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