FR44 Insurance Requirements in Florida: The Complete 2026 Guide

Florida’s FR44 insurance requirement is one of the strictest post-DUI insurance mandates in the United States. This guide covers every requirement: who needs FR44, the liability minimums, how long you need it, what happens if it lapses, non-owner options, and the exact reinstatement process — all updated for 2026. Who Needs FR44 Insurance in Florida?…

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FR44 Insurance Madison County / Madison 2026 | 3rd Circuit

Madison County FR44 insurance is required after DUI convictions in this North Florida county. Same-day electronic filing with Florida DHSMV. FR44 minimums: $100,000/$300,000 bodily injury, $50,000 property damage. 3-year filing period. Non-owner FR44 available. Madison County FR44 Rates Owned vehicle FR44 $112-$238/mo Non-owner FR44 $75-$152/mo Get FR44 in Madison County Same-day DHSMV filing. Call 1-800-229-7131.…

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FR44 Insurance Bradford County / Starke 2026 | 8th Circuit

Bradford County FR44 insurance is required after DUI convictions in this North Florida county. Same-day electronic filing with Florida DHSMV. FR44 minimums: $100,000/$300,000 bodily injury, $50,000 property damage. 3-year filing period. Non-owner FR44 available. Bradford County FR44 Rates Owned vehicle FR44 $112-$238/mo Non-owner FR44 $75-$152/mo Get FR44 in Bradford County Same-day DHSMV filing. Call 1-800-229-7131.…

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FR44 Insurance Gulf County / Port St. Joe 2026 | 14th Circuit

Gulf County FR44 insurance is required after DUI convictions in this Forgotten Coast county between Panama City and Apalachicola. Port St. Joe is the county seat. The 14th Judicial Circuit covers Bay, Calhoun, Gulf, Holmes, Jackson, and Washington counties. US-98 and CR-30A serve as the primary enforcement corridors in this coastal county. Gulf County FR44…

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FR44 Insurance Suwannee County / Live Oak 2026 | 3rd Circuit

Suwannee County FR44 insurance is required after DUI convictions in this North Florida county along the Suwannee River. Live Oak is the county seat. The 3rd Judicial Circuit covers Columbia, Dixie, Hamilton, Lafayette, Madison, Suwannee, and Taylor counties. I-10 and US-90 corridors are the primary enforcement routes. Suwannee County FR44 Rates Live Oak / Suwannee…

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