FR44 insurance in Florida is required after a DUI conviction — it proves you carry the state-mandated 100/300/50 liability limits with the DHSMV. We shop 15+ carriers to find your lowest rate and file your certificate electronically the same day.
We streamline the complex insurance reinstatement process, saving you time and money.
Our agents file certificates electronically directly with the Florida DHSMV database, enabling instant license restoration. Learn how FR44 filing works →
Don't settle for one high price. We shop top-tier Florida-licensed carriers to verify the best available pricing options.
Navigating a DUI is stressful. Our licensed staff are specialists in Florida-specific FR44 requirements and filings.
If you don't own a vehicle, we offer specialized non-owner FR-44 coverage. It is the cheapest way to reinstate your license.
Getting back on the road involves four basic steps. Here is how it works:
Fill out our short online form or call an agent. We collect standard driver parameters to begin shopping matching carriers.
Review the quote comparisons. Select between owner (vehicle-attached) and non-owner coverage depending on your driving profile.
Once you make a payment, our agency files the FR-44 certificate of financial responsibility electronically with the Florida DHSMV.
Once the DHSMV processes the electronic certificate (often in just a few hours), pay any standard reinstatement fees to active your license.
Compare the two primary types of Florida FR-44 insurance options.
For drivers who do not own a registered vehicle but need to reinstate their driver's license.
As low as $14/mo
For drivers who own, lease, or have a vehicle registered in their name in the state of Florida.
As low as $30/mo
We are a veteran-owned, family-operated local brokerage. Our real, Florida-licensed agents are here to help you navigate your DUI reinstatement with zero judgment.
Founder of the agency. Sam has been serving Florida drivers since 2010 with the mission of making FR-44 filing fast, affordable, and stress-free.
Liz has over 10 years of specialized experience in high-risk filings. She is the rock of our filing operations, ensuring absolute electronic accuracy.
Michell is fluent in English and Spanish. She specializes in guiding drivers step-by-step through their DHSMV reinstatements.
Cole has been with the team for over a decade. He is a shopping expert who compares all available carriers to unlock your absolute lowest rate.
Find fast, affordable FR-44 filing and license reinstatement near you. Same-day electronic DHSMV filing in every major Florida city.
Duval County's trusted FR-44 brokerage. Electronic filing for immediate license reinstatement.
Jacksonville FR44 Guide →Fast FR-44 filing for Miami-Dade drivers. Same-day electronic certificate submission to DHSMV.
Miami FR44 Guide →Hillsborough County drivers: get your FR-44 filed today. Compare 15+ carriers for the best rate.
Tampa FR44 Guide →Orange County DUI reinstatement specialists. Non-owner and owner FR-44 policies available.
Orlando FR44 Guide →Pinellas County FR-44 filing experts. Affordable policies for owner and non-owner drivers.
St. Pete FR44 Guide →Lee County FR-44 insurance quotes. Compare rates and get back on the road today.
Fort Myers FR44 Guide →FR44 is a certificate of financial responsibility filed electronically with the Florida DHSMV by your insurance company, proving you carry the state-required 100/300/50 liability coverage after a DUI. You must maintain FR44 coverage for 3 years after reinstatement. Learn more about FR44 requirements →
Florida requires FR44 coverage for 3 years from the date of reinstatement. If your policy lapses or cancels during this period, your carrier notifies the DHSMV, your license is re-suspended, and the required period may reset.
FR44 insurance costs vary based on your driving history, violation type, coverage level, and which carrier writes the policy. Non-owner FR44 policies are the most affordable option since there is no vehicle to insure. We shop 15+ carriers to find your lowest rate — get a free quote to see your exact price.
Whether there's an SR22/FR44 filing fee — and how much — is set by your insurance carrier. Some include the filing at no extra charge; others charge a small one-time fee. We'll tell you exactly what your carrier charges before you buy.
FR44 requires higher liability limits (100/300/50) and is specific to Florida and Virginia for DUI-related offenses. SR22 is used in most other states for violations like driving without insurance. Florida uses FR44 for DUI reinstatement — SR22 is not accepted for DUI cases. See the full comparison →
Yes. A non-owner FR44 policy covers you when driving borrowed or rented vehicles and satisfies Florida's DHSMV requirements for license reinstatement. It is the most affordable path to getting your license back.
