If you’ve recently had a DUI or other serious driving violation in Florida, you may have heard of FR44 insurance. It’s a specialized, high-liability auto insurance requirement that goes beyond standard coverage. In this article, we will explore what FR44 is, why it’s required, how much it costs, and how FR44 & SR22 Experts (doing business as My Florida FR44) can help you obtain affordable FR44 insurance quotes to get your license reinstated.
What Is FR44 Insurance?
In essence, FR44 is a mandatory insurance certification required by the Florida Department of Motor Vehicles (DMV) for drivers who have been convicted of a DUI or certain serious traffic offenses. Unlike a standard auto insurance policy, an FR44 policy must meet higher liability limits: typically 100/300/50, meaning $100,000 per person for bodily injury, $300,000 total per accident, and $50,000 for property damage. Because an FR44 policy carries increased liability limits and covers higher risk, it is more expensive than regular insurance.
In Florida, an FR44 filing is not optional for those who must comply — it’s required before your driver’s license can be reinstated. Insurance must be paid in full (or structured via approved payment terms) and electronically filed with the state.
Why Is FR44 Insurance Required?
When a driver is convicted of DUI, Florida law mandates FR44 insurance to ensure greater financial responsibility. The logic is that drivers with serious violations pose increased risk, so the state requires them to carry stronger liability coverage to protect other motorists, pedestrians, and property. Without satisfying the FR44 requirement, you cannot legally drive, and your license remains suspended until you meet the conditions.
Moreover, those who fail to maintain continuous coverage, let policies lapse, or try to “downgrade” coverage before the required term often face additional penalties and further extensions of suspension. Compliance must be continuous for the mandated duration, usually three years.
Owner vs. Non-Owner FR44 Policies
Not every driver required to carry FR44 actually owns a vehicle. That’s why there are owner and non-owner FR44 policies.
An owner FR44 policy covers a vehicle you own. It meets the high liability limits and attaches to your car. A non-owner FR44 policy, on the other hand, covers you personally when driving a vehicle you don’t own. It’s often a less costly option, since the insurer doesn’t have to account for damage to your own vehicle. If you’ve already sold or surrendered your vehicle, a non-owner FR44 policy may be your best route forward to satisfy the state’s requirement at a lower premium.
Getting FR44 Insurance Quotes & How Much It Costs
Because FR44 insurance is specialized and high risk, the cost can vary widely depending on several personal factors. Your driving history, number of prior offenses, your age, the type of car you drive (if any), and even fr44 insurance quotes where you live in Florida can all influence your premium. Urban areas or regions with greater claim frequency often come with higher rates. At My Florida FR44, the emphasis is on comparing rates across multiple insurers to locate the most affordable option that still meets the state’s mandated standards.
Even though the required liability levels are fixed by law, the insurer you choose, discounts available, and how well you manage risk can make a big difference in your premium.
My Florida FR44 recognizes that many drivers facing FR44 requirements are under financial strain. To help, they offer monthly payment options or low down payments (when permitted by insurers), easing the burden of paying a large lump sum in full.
How Long Do You Need to Carry FR44?
The usual period for maintaining FR44 coverage is three years from the date of your conviction. Within that time, your insurance policy must never lapse or be canceled. Violations of continuity can lead to additional suspension periods or even restarting the required term. Keeping your coverage active without interruption is crucial.
How to Get FR44 Insurance Fast
Time matters when your license is suspended. My Florida FR44 emphasizes speed: once you submit your information, they shop across multiple insurers, find coverage, and electronically file the FR44 certificate with the Florida DMV — often in under five minutes. This means delays at the DMV can be minimized, and you may be able to get reinstated more quickly.
Even if you are standing at the DMV right now, their team aims to process your FR44 filing instantly and get you back on the road legally.
Common Mistakes to Avoid
One frequent error is confusing FR44 with SR22. Many drivers assume they are interchangeable, but they are not. SR22 is used in many states for non-alcohol related violations, whereas FR44 is specific to DUI in Florida. If you’re required to carry FR44, submitting an SR22 will not satisfy the state requirement.
Another mistake is letting coverage lapse or canceling prematurely. As mentioned earlier, that can result in additional years added to your required coverage or further suspension. Finally, shopping only by price — without regard to whether the agency truly understands FR44 filing requirements — can backfire. Improper submission or incorrect paperwork may lead to delays or rejection by the DMV.
Why Choose My Florida FR44 for Your FR44 Insurance Needs
My Florida FR44 specializes exclusively in FR44 insurance in Florida. Because this is their core focus, they understand the nuances, technical requirements, and paperwork needed to satisfy the DMV. They offer free, no-obligation FR44 insurance quotes, monthly payment options, and swift filing to help you get back on the road legally. Their team works with multiple “A rated” insurers to ensure your policy is backed by reputable carriers.
If you're facing an FR44 requirement, securing the right insurance quickly is critical. With My Florida FR44’s expertise, speed, and focus on affordability, you can move forward with confidence — fulfilling your legal obligation while working toward reinstating your driving privileges.