Florida FR44 Insurance

Florida FR44 Insurance

We specialize in Florida FR44 insurance filing resulting from a DUI license suspension. Start a quote now or call us today.

Florida FR44 Insurance

Last updated on November 4th, 2019 by

After a Florida DUI license suspension, you'll file a Florida FR44 insurance certificate to regain driving privileges.

When your license is suspended after a DUI violation, you’ll have to file a Florida FR44 insurance certificate with the state DHSMV. FR44 is required to reinstate your license after an alcohol or drug related vehicle conviction. This insurance must be maintained without lapse for 3 years (or longer if required). You can obtain Florida FR44 certificate if you own a vehicle or not.

After a DUI license suspension, part of the license reinstatement process includes filing a Florida FR44 insurance certificate. FR44 is also referred to as Florida DUI insurance because it’s required for alcohol or drug related motor vehicle offenses.

UltraCar Insurance helps you by surveying top rated insurance companies to find the best rate and policy to suit your needs. Trying to figure out all the ins and outs of obtaining Florida FR44 insurance can be confusing. Our licensed agents can guide you through the process and complete an electronic filing of your FR44 certificate within 20 minutes.

What is FR44 insurance?

FR44 insurance differs from SR22 insurance. SR22 insurance Florida is required for non-alcohol related traffic offenses. FR44 is a high risk insurance certificate (Florida Uniform Financial Responsibility Certificate FR-44) required after a DUI/DWI offense. You must keep your FR44 certificate in good standing for a minimum of three years without lapse, or risk another suspension of your license. Initially, FR44 policies must be paid in full for a six-month period. You may be able to return to monthly premium payments after the first six months.

How much does Florida DUI insurance cost?

Car insurance premiums are determined by factors like age, gender, marital status, claims history, driving record and where you reside in the state. Florida’s already high premiums for standard auto insurance will likely double when you have an FR44 requirement.

The minimum auto insurance coverage required of all Florida drivers is $10,000 no-fault or personal injury protection (PIP) and $10,000 property damage liability (PDL). After a DUI conviction, the state requires you to carry insurance with much higher liability coverage. Therefore, you can expect significantly higher premiums. Minimum coverage requirements for Florida FR44 insurance increase as follows:

  • $100,000 bodily injury per individual per one accident
  • $300,000 bodily injury per one accident
  • $50,000 property damage per one accident

Beyond the cost of FR44 insurance there are other expenses related to having a DUI conviction, such as fines, fees, and costs associated with installation of a Florida ignition interlock device, if required.

Owner and non-owner FR44 certificates

Do you need Florida FR44 insurance but don’t own a vehicle? You can fulfill your FR44 requirement with a non-owners insurance certificate. A non-owner FR44 offers secondary liability insurance coverage if you drive a car you don’t own. See our Florida Non Owner FR44 page for more information. You can also obtain FR44 motorcycle insurance or a commercial auto insurance policy with an FR44 endorsement.

What if you move out of state?

Florida owner and non owner FR44 policies are issued in 6-month increments. They must be maintained for 3 years, even if you move to another state. No other state except Florida and Virginia issue FR44 certificates. And no insurance company can issue or process an out of state FR44 filing.

You should contact your insurance provider for advice before you move. They may allow you to maintain your policy until your Florida FR44 insurance obligation is completed. Each case is different, and one recommendation may not apply to everyone.

If you don’t notify your insurance provider before moving, you’ll likely receive a non-renewal notice once they become aware you no longer live in Florida. This will cause you problems getting a driver’s license in your new state of residence.

Florida DHSMV

Other details regarding Florida DUI administrative suspension laws and penalties, fees and license reinstatement procedures can be found on the Florida DHSMV website.

More about Florida high risk insurance

Continue scrolling down this page for links to other articles about FR44 insurance.

Do you need SR22 insurance for non-alcohol violations? See Florida SR22 Insurance and What’s the difference between SR22 and FR44 insurance?.

When you’re looking for Florida FR44 insurance companies, UltraCar Insurance quickly finds you the best policy and lowest rate. We always maximize your savings by comparing the rates of several insurance companies. We’ll make sure you have the policy features you need that will satisfy the state’s requirements. Click to start your Florida FR44 quote now, or call us today!


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When you have a DUI, get the FAQs about FR44 non owner insurance Florida.

FR44 Non Owner Insurance Florida – FAQ

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When you have a license suspension after a DUI conviction, and you don’t own a vehicle, you’ll buy FR44 non owner insurance Florida for reinstatement. When you’re eligible for license reinstatement, you’ll need to choose an FR44 insurance provider to issue and file your certificate with the state.

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