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Same-Day Electronic State Filing

Reinstate Your Florida License Fast with FR44 Insurance

If your license was suspended following a DUI conviction, we compare rates across Florida's leading carriers to find the cheapest FR44 policy for your needs. Get filed today.

10+ Carriers Compared
100% Filing Accuracy
Same-Day DHSMV Submissions
Clean highway road under a vibrant Florida sunset representing reinstatement and moving forward

Why Secure Your FR-44 Policy With Us?

We streamline the complex insurance reinstatement process, saving you time and money.

Same-Day Filing

Our agents file certificates electronically directly with the Florida DHSMV database, enabling instant license restoration.

Compare 10+ Carriers

Don't settle for one high price. We shop top-tier Florida-licensed carriers to verify the best available pricing options.

Expert Support

Navigating a DUI is stressful. Our licensed staff are specialists in Florida-specific FR44 requirements and filings.

Non-Owner Options

If you don't own a vehicle, we offer specialized non-owner FR-44 coverage. It is the cheapest way to reinstate your license.

Your Reinstatement Timeline

Getting back on the road involves four basic steps. Here is how it works:

Step 1

Submit Your Information

Fill out our short online form or call an agent. We collect standard driver parameters to begin shopping matching carriers.

Step 2

Choose Your Policy

Review the quote comparisons. Select between owner (vehicle-attached) and non-owner coverage depending on your driving profile.

Step 3

Immediate State Filing

Once you make a payment, our agency files the FR-44 certificate of financial responsibility electronically with the Florida DHSMV.

Step 4

Reinstate and Drive

Once the DHSMV processes the electronic certificate (often in just a few hours), pay any standard reinstatement fees to active your license.

Which FR-44 Policy is Right for You?

Compare the two primary types of Florida FR-44 insurance options.

Most Affordable Option

Non-Owner FR-44 Insurance

For drivers who do not own a registered vehicle but need to reinstate their driver's license.

  • Satisfies state requirements (100k/300k/50k liability limits)
  • Significantly lower monthly premium cost
  • Perfect for driving rented or borrowed vehicles occasionally
  • Prevents policy gaps, protecting future auto rates
Get Non-Owner Quote
Full Vehicle Coverage

Owner FR-44 Insurance

For drivers who own, lease, or have a vehicle registered in their name in the state of Florida.

  • Satisfies state requirements (100k/300k/50k liability limits)
  • Covers your registered vehicle and passengers
  • Allows addition of Comprehensive & Collision coverages
  • Protects vehicle lienholders and satisfies lease terms
Get Owner Quote

Meet Our Licensed Team of Experts

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.

Sam Ridgeway

Sam Ridgeway

Owner & U.S. Veteran

Founder of the agency. Sam established the company with the mission of making FR-44 filing fast, affordable, and stress-free for Florida drivers.

Liz Calvo

Liz Calvo

Licensed Insurance Broker

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 Velasquez

Michell Velasquez

Bilingual Agent

Michell is fluent in English and Spanish. She specializes in guiding drivers step-by-step through their DHSMV reinstatements.

Cole Thogmartin

Cole Thogmartin

Licensed Broker

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.