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If you drink and drive, you'll need to buy Florida FR44 insurance.

Florida FR44

Get quick license reinstatement after a DUI suspension with a Florida FR44 insurance filing. Start your quote now.

Florida FR44

Last updated on May 19th, 2020 by

After a DUI license suspension, you’ll need to file a Florida FR44 certificate to reinstate your license. In Florida, FR44 insurance is specifically for DUI-related license reinstatement. It is separate from SR22 insurance, which is for non-substance related suspensions. You can purchase a Florida FR44 certificate whether or not you own a vehicle.

After a Florida DUI conviction, you’ll have to purchase Florida FR44 insurance if you want to reinstate your driver’s license. The date you’ll need to file your certificate depends on your probationary period. Driver’s license suspension lengths can vary, depending on the circumstances of each case.

Driving under the influence of alcohol or drugs is a serious motor vehicle offense in Florida. If you have a DUI or DWI conviction, the state will suspend your driver’s license for a specific time.

What is Florida FR44?

The Florida FR44 insurance program became law on October 1, 2007. In February 2008, the higher liability insurance requirements for FR44 insurance went into effect.

There are two types of high-risk insurance for license reinstatement in Florida. You’ll file an SR22 certificate after non-DUI related violations. If your license suspension is for a substance-related offense, you’ll submit an FR44 certificate. Substance-related refers to driving under the influence of alcohol, illegal drugs, and prescription or over-the-counter drugs. (See What’s the difference between SR22 and FR44 insurance?)

The costs of DUI insurance Florida FR44 are much higher than for Florida SR22 insurance. FR44 insurance must have the following minimum liability coverage:

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

You’ll have to maintain DUI insurance for three years, and keep your payments current. If your policy lapses, the insurance company will notify Florida HSMV by submitting an FR46 form. The FR46 filing results in immediate suspension of your driver’s license. You can read more detailed information about Florida DUI and Administrative suspension laws on the Florida HSMV website.

Non-Owner Insurance

Florida requires any person who owns a registered vehicle to carry standard or high-risk liability insurance. However, when the state requires you to carry FR44 insurance to reinstate your license, you don’t have to own a car. Instead, you’ll buy non-owner insurance. Non-owner FR44 insurance covers you when you occasionally drive a borrowed car. (See Florida Non Owner FR44 for more information.) If you cause an accident while driving someone else’s vehicle, non-owner insurance pays claims that exceed the owner’s coverage limits.

When you need Florida DUI insurance for license reinstatement, get a no-obligation Florida FR44 quote from UltraCar Insurance. We look forward to helping you!

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