What Drives FR-44 Insurance Costs in Florida

FR-44 quotes in Florida vary more than almost any other line of personal auto insurance. Two drivers with the same DUI can be quoted hundreds of dollars apart. These are the factors that actually move the number.

1. The 100/300/50 limits

This is the biggest single driver. Florida's ordinary requirement is 10/20/10. An FR-44 demands 100/300/50 — roughly ten times the bodily injury coverage. Most of the premium increase after a DUI comes from the limits, not the conviction itself.

2. How recent the DUI is

Pricing is steepest in the first 12 months and softens each year the conviction ages. Many drivers see a real decrease at the second renewal even with the filing still active.

3. Which carrier you land with

Non-standard carriers rate DUIs very differently from each other. The same driver, same car, same limits can differ by 40% between two companies both willing to write the business. This is the easiest money to save and the most commonly skipped step.

4. The vehicle

A financed vehicle requires comprehensive and collision, which adds to an already high liability premium. An older, paid-off car can run liability-only and satisfy the FR-44.

5. ZIP code

Miami-Dade, Broward, and Hillsborough rate higher than most of the state. Rural counties rate lower.

6. How you pay

Down payment size, installment fees, and pay-in-full discounts change the effective cost significantly on a high-premium policy.

Ways to bring it down

Get real numbers

We quote Florida FR-44s across multiple carriers at the required limits and file with FLHSMV the same day you bind.