Florida SR-22 & FR-44 insurance, filed the same day.
We file SR-22 and FR-44 directly with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) and shop many carriers licensed in Florida to find the lowest rate for your record.
Talk to a licensed agent in Florida now — SR-22 or FR-44 quoted in minutes
SR-22 minimum limits
10/20/10 (PIP & PDL basics)
FR-44 minimum limits
100/300/50 (DUI filing)
Call now for your Florida SR-22 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 insteadFlorida filing options
SR-22 or FR-44 — which one do you need?
Florida uses both forms. The right one depends on why your license was suspended.
SR-22
Florida minimum: 10/20/10
A certificate your insurer files with FLHSMV proving you carry the state-required liability coverage. Used for non-DUI suspensions.
- $10k PIP / $10k PDL minimums
- For uninsured accidents, points, judgments
- Owner and non-owner policies
FR-44
Florida minimum: 100/300/50
A higher-limit certificate required after a DUI conviction in Florida. Filed the same day with FLHSMV.
- $100k/$300k bodily injury, $50k property damage
- Required after DUI, not optional
- Non-owner FR-44 available
Same-day filing
Your SR-22 goes to the state the day you buy.
Monthly payments
Spread the cost for qualifying drivers.
Owner & non-owner
Whether or not a car is in your name.
Florida law
SR-22 & FR-44 requirements in Florida
- Filing period
- 3 years
- SR-22 minimum
- 10/20/10 (PIP & PDL)
- FR-44 minimum
- 100/300/50 (DUI)
- Files with
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV)
- Reinstatement fee
- $150 first reinstatement, $250 second, $500 third or more
SR-22 vs. FR-44
Florida is one of only two states with an FR-44. DUI convictions require an FR-44 with 100/300/50 liability limits; other violations use a standard SR-22.
Filing period
3 continuous years from the reinstatement date. Any lapse re-suspends the license and restarts the term.
No-fault state
Florida requires $10,000 PIP and $10,000 property damage liability for every registered vehicle, on top of any SR-22 or FR-44 filing.
Non-owner option
Non-owner SR-22 and FR-44 policies are accepted when no vehicle is registered in your name.
What triggers an SR-22 in Florida
- DUI conviction (triggers FR-44, not SR-22)
- Driving without required PIP/PDL coverage
- At-fault crash while uninsured
- Too many points or a revoked license
Interlock & verification
Florida requires an ignition interlock for most DUI convictions with a BAC of 0.15+ or a minor in the vehicle, and for all repeat offenses.
FLHSMV verifies coverage electronically and suspends registrations the moment a filing cancels.
Serving drivers in Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah and every city in Florida.
Florida FR-44 after a DUI
Florida FR-44 insurance
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 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
What makes the FR-44 different from the SR-22
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.
Latest Florida SR-22 news
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Florida SR-22: Your Guide to Reinstating Driving Privileges
Facing a license suspension in Florida? Learn the essentials of SR-22 insurance, why you need it, and how to get back on the road safely and legally.
8/1/2026
Florida SR-22 and FR-44 Filing Basics for Drivers
Florida uses an FR-44 after a DUI and an SR-22 for other violations. Here is how each filing works.
Get your Florida SR-22 or FR-44 today
Tell us about your situation and we will come back with Florida SR-22 or FR-44 options — usually the same business day.
DUI conviction? Jump to the Florida FR-44 section.
Other states we file in
Arizona
Colorado
Georgia
Louisiana
Missouri
Ohio
Tennessee
VirginiaSR-22 vs. FR-44 in Florida
Florida is one of only two states that use the FR-44. If your suspension came from a DUI conviction, FLHSMV will not accept an SR-22 — you need an FR-44 with 100/300/50 bodily injury and property damage limits, plus Florida's standard PIP and PDL coverage. Every other financial-responsibility suspension (uninsured accident, unsatisfied judgment, too many points) uses the SR-22 at 10/20/10.
Paid-in-full rule
FR-44 policies are commonly written prepaid so the state is not exposed to a mid-term cancellation, which is why the first payment can feel large. In some cases, though, a carrier will approve a monthly plan — ask before assuming you must pay six or twelve months at once.
Reinstatement steps
DUI school and any recommended treatment must be finished before FLHSMV will reinstate. Bring the certificate of completion, proof the FR-44 is on file, and payment for the reinstatement fee to a driver license service center, or handle it online through the FLHSMV portal.
Florida city coverage
We write SR-22 and FR-44 policies statewide, with dedicated pages for Miami, Tampa, Orlando, and Jacksonville where filing volumes and court requirements differ most.
Florida SR-22 & FR-44 FAQs
What is the difference between an SR-22 and an FR-44 in Florida?
Both are proof-of-insurance certificates. An FR-44 is triggered by a DUI conviction and requires 100/300/50 liability limits — ten times the bodily injury minimums of a standard SR-22 in Florida.
How long is an FR-44 required in Florida?
Three continuous years from the date your license is reinstated. A lapse cancels the reinstatement and restarts the requirement.
Can a Florida FR-44 be paid monthly?
In some cases, yes. Most FR-44 policies are prepaid for the term, but several carriers offer approved monthly payment plans that keep coverage continuous and are accepted for the filing.
Can I get a non-owner FR-44 in Florida?
Yes. If you do not own a vehicle, a non-owner FR-44 satisfies FLHSMV at the 100/300/50 limits and is far cheaper than an owner policy.