Florida-Licensed FR-44 Specialists

FR-44 Insurance in Florida Get Back on the Road Today

Need FR-44 insurance fast? We compare rates from 6+ carriers, file your certificate the same-day, and help you reinstate your license ASAP. No lectures. No judgment. Just help.

“Everyone makes mistakes. What matters now is getting you legal and moving forward. We’ve helped hundreds of Florida drivers through this. Let us help you too.”

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  • Same-Day Filing
  • Non-Owner FR-44 Available
  • 6+ Carriers Compared
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📞 Miami-Dade: (305) 635-2800 📞 Broward: (754) 200-4886
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We compare rates from 10+ carriers

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An agent calls you with 2–3 options

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You pick the best one — we handle the rest

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📞 Miami-Dade: (305) 635-2800 📞 Broward: (754) 200-4886
Same-Day

FR-44 Filing

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FR-44 Carriers

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English & Spanish

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Understanding FR-44

What Is FR-44 Insurance in Florida?

FR-44 is a certificate of financial responsibility required by the State of Florida after a DUI conviction. It proves to the Florida Department of Highway Safety and Motor Vehicles (DHSMV) that you carry higher-than-normal liability insurance.

Unlike standard auto insurance, FR-44 requires significantly higher coverage limits: $100,000 per person and $300,000 per accident for bodily injury, plus $50,000 for property damage. These limits are 10x higher than Florida’s standard minimums.

Your insurance company files the FR-44 certificate electronically with the Florida Department of Highway Safety and Motor Vehicles (DHSMV). Once filed and processed, you can begin the process of reinstating your driver’s license.

  • FR-44 Quick Facts
  • Required after DUI convictions in Florida
  • Must be maintained for 3 years from conviction date
  • Requires 100/300/50 liability limits
  • Filed electronically with Florida DHSMV
  • Only Florida and Virginia require FR-44
  • Policy lapse = automatic license suspension

Know the Difference

FR-44 vs. SR-22 vs. Standard Insurance

Florida uses different filings for different situations. Here’s how they compare.

Requirement

FR-44 (DUI)

SR-22 Other

Standard Policy

When Required

DUI/DWI conviction

Driving without insurance, too many points

All Florida drivers

Bodily Injury (per person)

$100,000

$10,000

$10,000 (optional)

Bodily Injury (per accident)

$300,000

$20,000

$20,000 (optional)

Property Damage

$50,000

$10,000

$10,000

PIP Required

$10,000

$10,000

$10,000

Duration Required

3 years

3 years

Ongoing

Average Annual Cost

$3,000 – $5,000

$1,500 – $2,500

$1,200 – $2,00

Coverage Requirements

FR-44 Insurance Requirements
in Florida

Florida requires FR-44 policies to carry significantly higher liability
limits than standard auto insurance.

$100K

Bodily Injury Per Person

Covers medical expenses, lost wages, and pain/suffering for one person you injure in an accident.

$300K

Bodily Injury Per Accident

Covers medical expenses, lost wages, and pain/suffering for one person you injure in an accident.

$50K

Property Damage Liability

Covers damage you cause to other vehicles, buildings, fences, and other property.

  • Important: You must also maintain $10,000 in Personal Injury Protection (PIP), which is required for all Florida drivers. The 3-year FR-44 period starts from your conviction date, not your arrest date.

Need FR-44 insurance today? We file same-day.

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Pricing

How Much Does FR-44 Insurance Cost in Florida?

Average FR-44 Cost in Florida

$2,000 – $5,000/year

Rates vary based on driving history, age, location, and carrier. Call us for a personalized quote.

Your driving history — First DUI vs. multiple offenses makes a big difference

Your age — Younger drivers typically pay higher rates.

Your location — Miami and urban areas are more expensive

The insurance carrier — Rates vary significantly between companies

Owner vs. non-owner policy — Non-owner FR-44 is typically cheaper

Why Rates Vary So Much

Each insurance company evaluates DUI drivers differently. One carrier might quote you $4,500 while another quotes $3,200 for the exact same coverage. That’s why comparing quotes from multiple carriers is the single best way to find affordable FR-44 insurance.

Compare FR-44 Rates Now

How It Works

Getting FR-44 Insurance in Florida

We make the process simple. Here’s what happens when you call.

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Call or Request Quote

Call (305) 635-2800 or submit the form. Have your driver’s license number and conviction date ready.

5 minutes

We Shop Top Carriers

We compare rates from carriers who specialize in high-risk coverage to find you the best price.

15-30 minutes

Same-Day FR-44 Filing

Once you choose a policy, we file your FR-44 certificate electronically with the Florida DHSMV.

15-30 minutes
  • Important: You must also maintain $10,000 in Personal Injury Protection (PIP), which is required for all Florida drivers. The 3-year FR-44 period starts from your conviction date, not your arrest date.
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How It Works

Non-Owner FR-44 Insurance in Florida

If you need to reinstate your license after a DUI but don’t currently own a vehicle, you still need FR-44 insurance. A Non-Owner FR-44 policy provides the required coverage for any vehicle you might drive.

  • Meets all Florida FR-44 requirements (100/300/50)
  • Covers you when driving borrowed or rented vehicles
  • Typically less expensive than owner FR-44 policies
  • Maintains continuous coverage (prevents future rate hikes)
  • Filed electronically same-day
Get Non-Owner FR-44 Quote

Why Non-Owner FR-44 Matters

Even if you don’t plan to drive, maintaining a non-owner FR-44 policy keeps you in compliance with Florida law and prevents gaps in your insurance history. When you eventually buy a car, you’ll avoid the rate increases that come with coverage lapses.

Important: If you plan to drive any vehicle—friend’s car, rental car, work vehicle—you need this coverage. Driving without it means driving illegally.

Important Warning

What Happens If You Don’t Get FR-44 Insurance?

Driving without required FR-44 insurance has serious consequences. Here’s what you risk.

License Stays Suspended

Without FR-44 filing, your license cannot be reinstated. You remain unable to legally drive.

Criminal Charges

Driving on a suspended license in Florida is a criminal offense with potential jail time.

Higher Future Rates

Gaps in coverage lead to even higher insurance rates when you eventually do get insured.

Extended FR-44 Period

If your FR-44 lapses, the 3-year requirement may restart from the beginning.

Don’t let this situation get worse. The sooner you get FR-44 insurance, the sooner you can move forward.

Get FR-44 Today — Call Us

Why Choose Us

Why Get FR-44 Insurance Through
Peoples Insurance?

Same-Day FR-44 Filing

We file your FR-44 certificate electronically with the Florida DHSMV the same day you get your policy. No waiting, no delays

We Compare 6+ Carriers

We shop your policy across multiple carriers who specialize in FR-44 coverage to find you the best rate, not just the first available.

No Judgment, Just Help

We’ve helped hundreds of Florida drivers through this process. We understand, and we’re here to help you move forward, not make you feel worse.

Bilingual Agents

Our team speaks English and Spanish fluently. We’ll explain everything clearly so you understand exactly what you’re getting.

We Actually Answer

Call us and a real person picks up. No phone trees, no chatbots. We know you need help now, not later.

Renewal Monitoring

We check your renewal rates and shop for better options. Your FR-44 rates can decrease over time, we make sure you get the savings.

Our FR-44 Partners

Insurance Carriers We Work With for FR-44

Not all insurance companies offer FR-44 coverage. We work with carriers who specialize in high-risk auto insurance and understand the FR-44 requirements.

Progressive
GEICO
Bristol West
National General
Responsive Auto
Kemper
Ocean Harbor
United Auto
Embark
Amwins

Carrier availability depends on your specific situation. We’ll find the best option for you from our network of FR-44 providers.

FAQ

FR-44 Insurance Questions

FR-44 is a certificate of financial responsibility required by Florida after a DUI conviction. It proves you carry higher-than-normal liability insurance: $100,000 per person / $300,000 per accident for bodily injury and $50,000 for property damage. Your insurance company files the FR-44 electronically with the Florida DHSMV. You must maintain FR-44 coverage for 3 years from your conviction date to keep your license.

FR-44 insurance in Florida costs an average of $2,000 to $5,000 per year, though rates vary significantly based on your driving history, age, location, and the carrier. This is roughly 40-50% higher than standard insurance, and some drivers see increases of 200-300%. Because rates vary widely between companies, comparing quotes from multiple carriers is the best way to find affordable FR-44 coverage.

You must maintain FR-44 insurance for 3 years from your DUI conviction date in Florida. The 3-year period starts from the date of conviction, not the date of arrest. If your policy lapses or is canceled during this period, your license will be automatically suspended and you’ll need to pay reinstatement fees to get it back.

FR-44 is required after DUI convictions and requires much higher liability limits (100/300/50). SR-22 is required for other violations like driving without insurance or too many points, and only requires Florida’s standard minimum limits. FR-44 is more expensive because of both the DUI on your record and the higher coverage requirements. Only Florida and Virginia use the FR-44 form.

If your FR-44 insurance lapses or is canceled, your insurance company is required to notify the Florida DHSMV, and your license will be automatically suspended. You’ll then need to pay reinstatement fees, get a new FR-44 policy, and have it filed with the state before you can legally drive again. The 3-year FR-44 requirement may also restart.

FR-44 insurance can be obtained and filed the same day in most cases. Once you provide your information and make payment, the insurance company files the FR-44 certificate electronically with the Florida DHSMV. The filing is typically processed within 24-48 hours, though some filings are reflected in the system within hours. Call (305) 635-2800 to get started.

Florida FR-44 insurance requires minimum liability limits of: $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage liability. You must also maintain $10,000 in Personal Injury Protection (PIP). These limits are significantly higher than Florida’s standard minimums and must be maintained for 3 years from your DUI conviction date.

  • “I made a mistake and got a DUI. I was embarrassed and didn’t know where to start with the insurance requirement. I called People’s Insurance and they treated me like a human being, not a criminal. They found me a policy, filed my FR-44 the same day, and I had my license back within a week. If you’re in this situation, call these guys.”
    Carlos M.
    Miami, FL
Miami’s Best-Kept Insurance Secret

Ready to Get Your FR-44
and Move Forward?

We’ve helped hundreds of Florida drivers through this process. No judgment,
no lectures—just fast, affordable FR-44 insurance so you can get back on the road legally.

Call Us Now Get a Personalized Quote

(305) 635-2800 | (754) 200-4886

Monday – Friday: 9am – 6pm | Saturday: 9am – 2pm
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