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Florida DUI insurance

After a DUI, Florida requires an FR-44 — not an SR-22. We quote the carriers that write DUI records and file with the DHSMV the same day.

  • FR-44 filed electronically with the Florida DHSMV today
  • 100/300/50 limits, exactly what the state requires after a DUI
  • Owner and non-owner DUI policies
  • Low down payments with monthly installments
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20+ years in business
30+ carriers shopped
Same-day SR-22 filing

Drunk driving insurance in Florida is an FR-44

Most states use an SR-22 for every serious violation. Florida is different: a DUI or a driving-under-the-influence conviction triggers the FR-44, which carries much higher liability limits than an SR-22 at the same address.

  • Florida standard minimum: 10/20/10 — PIP and PDL only
  • Florida FR-44 after a DUI: 100/300/50 bodily injury and property damage
  • Filing term: three continuous years from reinstatement

Why DUI quotes vary so much

Many standard insurers decline a DUI record outright. The carriers that do write it price the surcharge very differently, so the same driver can see hundreds of dollars of spread on an identical FR-44 policy. Comparing specialist carriers is the whole game.

Getting your license back

Once the policy is issued we transmit the FR-44 electronically, so the DHSMV sees it without you carrying paperwork to an office. See the full Florida FR-44 requirements or check Florida hardship license rules if you need to drive before reinstatement.

Frequently asked questions

What insurance do I need after a DUI in Florida?

A Florida DUI conviction requires an FR-44 filing with liability limits of 100/300/50 — $100,000 bodily injury per person, $300,000 per accident and $50,000 property damage. That is far above Florida's standard 10/20/10 PIP and PDL minimums.

How long does the FR-44 stay on my record in Florida?

Florida requires the FR-44 filing to stay in force continuously for three years from the date your driving privileges are reinstated. A lapse triggers an immediate re-suspension.

Can I get DUI insurance the same day?

Yes. We quote carriers that specialize in DUI records and file the FR-44 electronically with the Florida DHSMV the same day the policy is issued.

What if I do not own a car?

A non-owner FR-44 policy satisfies the filing at the same 100/300/50 limits and is normally the cheapest way to get your license back.

Fastest way to get filed

Call now for your SR-22 quote

A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.

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