FR-44 Insurance in Jacksonville, Florida: How To Get Filed

A DUI conviction in Duval County triggers Florida's FR-44 requirement. Here is the sequence that gets you legally back on the road fastest.

Step 1: Read the DHSMV notice

It names the filing (FR-44 for DUI), the start date, and the reinstatement fees. Florida's FR-44 requires 100/300/50 liability — far above the state's ordinary 10/20/10 PIP and PDL structure — for three years.

Step 2: Quote at FR-44 limits, not minimums

Ask each carrier for 100/300/50 with the FR-44 filing included. Jacksonville rates vary noticeably by ZIP; the Southside and Westside price differently than the Beaches. Compare the six-month total rather than the down payment.

Step 3: Bind and file

The carrier transmits the certificate electronically to DHSMV, usually within 24–72 hours. Get written confirmation before you drive.

Step 4: Pay reinstatement fees and verify

Fees are separate from the insurance. Check your driver record online to confirm the filing posted.

If you no longer own a car

A non-owner FR-44 satisfies Florida at the same limits and typically costs less. It is only available if no vehicle is titled to you and you have no regular access to a household vehicle.

Protect the three years

Autopay the policy. A cancellation notice from the carrier suspends the license again and can restart the clock.

We file the same day

We write FR-44 and SR-22 policies across Jacksonville and North Florida and transmit the filing electronically the day you bind.