Florida FR-44 insurance after a DUI.
After a Florida DUI, FLHSMV requires an FR-44 — not an SR-22 — at 100/300/50 limits. We quote and file it the same day.
FR-44 quotes are faster by phone — quoted and filed in minutes
Filing period
3 continuous years from your reinstatement date
FR-44 limits
100/300/50
Call now for your Florida FR-44 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
855-882-9012Mon–Fri 9am–7pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback instead- FR-44 liability limits
- 100/300/50 — $100,000 bodily injury per person, $300,000 per accident, $50,000 property damage (plus Florida PIP and PDL)
- Filing period
- 3 continuous years from your reinstatement date
- Files with
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV)
- Typical cost
- $130–$300 / month at FR-44 limits
FR-44 vs. SR-22 in Florida
What makes the FR-44 different
Ten times the bodily injury limits
Florida's SR-22 minimum is 10/20/10. The FR-44 jumps to 100/300/50 — the single biggest reason premiums are higher.
Payment terms
SR-22 policies are easy to pay monthly. FR-44 policies are often prepaid, but some carriers approve monthly installments — worth a call before paying the full term.
DUI only
Any non-DUI financial-responsibility suspension in Florida stays on the SR-22 at 10/20/10.
Florida FR-44 policies are often prepaid, but several carriers offer approved monthly plans that keep coverage continuous. Call us to find a monthly option.
What triggers an FR-44 in Florida
- DUI conviction in Florida
- Out-of-state DUI transferred to your Florida record
- Boating-under-the-influence conviction
- Reinstating after a DUI revocation or hardship license
How to get filed in Florida
- 1Finish DUI school and any required evaluation or treatment.
- 2Buy a Florida policy at 100/300/50 with the FR-44 endorsement.
- 3Pay for the policy — prepaid or on an approved monthly plan.
- 4We transmit the FR-44 to FLHSMV, usually same day.
- 5Pay the FLHSMV reinstatement fee and get back on the road.
Florida FR-44 insurance explained
Florida is one of only two states that use the FR-44. After a DUI conviction, FLHSMV will not accept an SR-22 — it requires an FR-44 at 100/300/50 bodily injury and property damage limits, plus Florida's mandatory $10,000 PIP and $10,000 PDL.
Why FR-44 premiums are higher
The liability limits are ten times the SR-22 minimums. Many FR-44 policies are prepaid, though some carriers approve monthly plans that keep coverage continuous. Rates also vary widely between companies, so shopping several FR-44-friendly carriers is the fastest way to lower the number.
Non-owner FR-44 policies
If you sold your car or drive someone else's, a non-owner FR-44 satisfies the same 100/300/50 requirement at a fraction of the cost. It covers your liability when you drive a vehicle you do not own and keeps the certificate active with FLHSMV for the full three years.
Keep the filing continuous
FLHSMV is notified the moment an FR-44 policy cancels. A single lapse re-suspends your license and restarts the three-year clock, so renew on time or call us before switching carriers.
Florida FR-44 FAQs
What is an FR-44 in Florida?
It's the certificate Florida requires after a DUI conviction. Your insurer files it with FLHSMV to prove you carry 100/300/50 liability coverage.
How is an FR-44 different from an SR-22 in Florida?
Same filing process, different limits. SR-22 proves 10/20/10 and is easy monthly. FR-44 proves 100/300/50 and is usually prepaid, though some carriers allow monthly plans.
How long do I need an FR-44 in Florida?
Three continuous years from your reinstatement date. Any lapse cancels the reinstatement and restarts the clock.
Can I pay for a Florida FR-44 monthly?
Sometimes. Many FR-44 policies are prepaid, but several carriers offer approved monthly plans that satisfy FLHSMV. Call us and we'll check which companies allow monthly on your filing.
Can I get a non-owner FR-44 in Florida?
Yes. If no vehicle is titled in your name, a non-owner FR-44 satisfies FLHSMV at 100/300/50 and usually costs far less than an owner policy.
How fast can my Florida FR-44 be filed?
Most carriers transmit the FR-44 to FLHSMV electronically the same business day you pay. We can often file it within the hour.
Get your Florida FR-44 filed today
One call and a licensed agent can quote FR-44 limits and transmit the filing to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) — usually the same business day.