Get Reinstated in 3 Easy Steps
Your Florida driver's license is on the line. Don't wait — our licensed agents file your FR-44 certificate with the state electronically, same day. Most customers are back on the road within hours.
FR-44 in 3 Simple Steps
We make the process painless. No runaround. No confusing forms. Just fast results.
Get Your Free Quote
Fill out the form above or call us. Takes 30 seconds. We search 15+ carriers to find you the lowest rate possible.
Choose Your Policy
Pick the plan that fits your budget. Monthly payments available — no big upfront lump sum required.
We File Same Day
We electronically file your FR-44 certificate with the Florida DHSMV the same day. You're back on the road fast.
The Smart Way to Handle Your FR-44
We've been doing this longer than almost anyone in Florida. Here's what makes us different.
Same-Day Electronic Filing
We file your FR-44 certificate with DHSMV electronically — the same day you purchase your policy.
No 6-Month Upfront Lump Sum
Monthly payment plans available. Keep your cash. Start your FR-44 policy for as little as $14/month.
We Shop 15+ Carriers for You
We compare rates across 15+ top insurers so you get the lowest FR-44 rate available — guaranteed.
Licensed Florida Agents
Real licensed agents who know Florida FR-44 law inside and out. Not a call center. Actual experts.
Owner & Non-Owner Policies
Whether you own a car or not — we have the right FR-44 policy for your situation.
50,000+ Floridians Served
Thousands of 5-star reviews. Trusted by more Florida drivers than any other FR-44 specialist.
What Our Customers Say
"I needed my FR-44 the same day and they came through. Filed it electronically within hours. I was back on the road that afternoon. These guys are the real deal."
"Monthly payments were a lifesaver. I didn't have $400 to pay upfront. They got me covered for $14 a month and filed everything same day. Couldn't be happier."
"Called them on a Friday afternoon. Policy was written, filed, and confirmed by 5pm. I was honestly shocked at how fast it happened. Highly recommend."
FR-44 Questions Answered
Everything you need to know about Florida FR-44 requirements.
An FR-44 is a certificate of financial responsibility required by the Florida DHSMV for drivers convicted of a DUI or DWI. It proves you carry higher liability insurance limits — specifically $100,000/$300,000 bodily injury and $50,000 property damage. Your insurance company files this certificate directly with the state on your behalf.
Most Florida drivers are required to maintain their FR-44 for 3 years from the date their driving privilege was reinstated. Your requirement runs continuously — any lapse in coverage can restart the clock. We send proactive reminders to help you avoid this situation.
Both are certificates of financial responsibility, but FR-44 is Florida-specific and requires higher liability limits. SR-22 is used in other states and has lower required limits. If you have a DUI conviction in Florida, you need an FR-44 — not an SR-22. Need SR-22? Visit SR22Coverage.com.
Yes — if the state requires you to carry an FR-44, you still need one even without a vehicle. We offer non-owner FR-44 policies specifically for this situation. These are typically the most affordable option and cover you when driving any vehicle you don't own.
Same day — often within hours. Once you purchase your policy, we file your FR-44 certificate electronically with the Florida DHSMV. Most customers are confirmed and back on the road the same day they call us.
If your FR-44 policy lapses, your insurance company must notify the DHSMV immediately. Your license will be suspended again and you may need to restart your 3-year requirement from scratch. We send proactive reminders so your coverage never lapses.