The state of Florida enforces a strict DUI law for drivers under the age of 21 called the Florida Zero Tolerance Law. If an officer stops you and your BAC is .02 or higher, the state automatically suspends your license for six months. Why is the law called “zero tolerance”? For many people under age 21, one drink yields a .02 BAC. Therefore, driving after just one drink violates the law.
How do I get my license back after a Florida Zero Tolerance Law offense?
You’ll have to wait six months to become eligible to reinstate your license. After this mandatory suspension period, you’ll choose a high-risk auto insurance provider to write an insurance policy and file an FR44 certificate with the state. The Florida HSMV will reinstate your license when it records your filing. You’ll have to pay the initial premium in full for a six-month term.
Types of Florida FR44 insurance
Depending on whether you own a vehicle or not, you’ll buy one of these types of FR44 certificate.
Non-owner FR44: If you don’t own a vehicle, we’ll issue a non-owner insurance policy with an FR44 endorsement. For information about non-owner FR44 insurance, see our page titled Florida Non Owner FR44.
Owner-Operator FR44: When you own a vehicle, you’ll need an owner-operator policy with an FR44 attachment. You can purchase an owner-operator policy with liability-only or full coverage. Depending on the year, make, and model of the vehicle, premiums vary significantly. FR44 insurance with 100/300/50 coverage can be quite expensive. Therefore, we suggest getting several quotes before you commit to a policy.
More about the Florida Zero Tolerance Law
Check the Florida HSMV website to learn about traffic laws for Florida teens and teens and young adults with DUIs.
These articles on our website are also related to this topic:
- Florida FR44 Insurance Requirements
- Costs of DUI Insurance Florida FR44
- Florida DUI Penalties
- Florida Implied Consent
If you have a Florida Zero Tolerance Law violation, let UltraCar Insurance help. We’ll answer your questions and help you regain your driving privileges. Talk with one of our Florida licensed agents today for a no-obligation consultation.
This article was last updated on August 17th, 2023 by UltraCar Insurance
