Florida's FR44 specialists. We shop 15+ carriers to find your lowest rate.
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"Got my FR44 filed the same day I called. The process was so much easier than I expected."
— Jennifer M., Miami, FL
When people call us about cheap FR44 insurance, almost everybody assumes the price is set by the state. It isn’t. Florida tells your insurance company what coverage you have to carry and that the filing has to be on record with the DHSMV. What that coverage costs is left entirely to the carrier.
And that is why the same driver, with the same record, calling on the same afternoon, gets quotes that look nothing alike. Every company prices a DUI its own way. Some raise your rate and keep writing you. Some will not write you at all once the conviction shows up. And a few actually specialize in drivers who need an FR44, which means they have priced this exact situation many times over and they are not guessing at it. So when we say we shop over fifteen carriers, that is not a sales line. It is the only way to find out which company happens to be cheapest for your particular record, and there is no way to know that in advance. You have to ask all of them.
And if you do not own a vehicle right now, say so when you call. A non-owner FR44 policy satisfies the same state requirement and is usually the least expensive way to get your license back. A lot of people never find out that option exists, and they end up paying to insure a car they do not have. One more thing worth knowing before you buy on price alone: the filing has to stay active for the entire period the state requires. If the policy lapses, your carrier notifies the DHSMV, your license can be suspended again, and your clock can reset. A cheap policy does not help you if it cancels.
Give us ten minutes. The quote is free, we submit your filing to the DHSMV electronically the same day you buy the policy, and we will tell you exactly what your carrier charges before you spend a dollar. Just give us a call at 855-678-6977.
Samuel Ridgeway walks through what actually sets your FR44 rate in Florida, and why the carrier you are with today may not be the one you want tomorrow.
Not much, honestly. We need your name, date of birth, zip code, and a rough idea of your driving situation — DUI conviction date, whether you own a vehicle, and if there’s anything else on your record.
That’s it. We don’t need your social security number to quote you… we don’t need payment upfront… and it takes about ten minutes. We shop your information across 15+ carriers and come back with your actual options and real numbers — not an internet estimate.
Give us a call at (855) 678-6977 or fill out the form above… either way, you’ll know exactly what you’re looking at before you spend a dime.
No. Insurance quotes use what’s called a “soft pull” — it shows up on your end but doesn’t affect your credit score at all. Lenders and credit agencies don’t even see it. So there’s no downside to getting your number… the only risk is not knowing what you’re dealing with.
Over the phone… about ten minutes. We collect your basic information, run it through our carrier panel, and give you your options on the same call. If you want to bind the policy right then, we can file your FR44 with the DHSMV the same day.
An FR44 is a certificate of financial responsibility filed with the DMV by your insurance company. It proves you carry the state-required minimum liability coverage. It’s typically required after a DUI, driving without insurance, or certain traffic violations.
In most cases, we can have your FR44 filed with the Florida DMV the same day. Once you choose a policy, your carrier electronically submits the filing — no paperwork on your end.
No. If you don’t own a vehicle, you can get a non-owner FR44 policy. This satisfies the state filing requirement and is typically less expensive than an owner policy.
No. One FR44 policy covers you as the driver — you can add multiple vehicles to the same policy. The FR44 certificate is tied to your name and license, not to a single vehicle.
If you own more than one vehicle, let us know when you call for a quote. We’ll make sure every vehicle is listed on the policy so there’s no gap in coverage.
You have to compare carriers, because there is no single cheapest FR44 company in Florida. Each insurer prices a DUI differently, so the company that is cheapest for one driver is often not the cheapest for the next. We shop over fifteen carriers on your behalf, the quote is free, and there is no obligation to buy.
Yes. A non-owner FR44 policy costs less than a policy covering a vehicle, and it satisfies the same Florida requirement. It covers you as a driver rather than covering a specific car. If you have sold your vehicle, or you are not driving one you own, this is usually the least expensive way to get your license reinstated.
Your driving record, your age, the vehicle if you own one, and which carrier you end up with. The state sets the coverage you have to carry, which is 100/300/50 in Florida, but it does not set the price. That part is the insurance company's decision, which is why the same coverage can cost very different amounts depending on who writes it.
It matters for what you pay and for how quickly the filing reaches the DHSMV. Some carriers will not write a driver who needs an FR44 at all. Others will, but price it high. Carriers that handle FR44 filings regularly tend to be both more competitive and faster at getting the paperwork on record. We file electronically the same day you buy the policy.
Need your FR44 filed right now? We specialize in urgent and emergency FR44 filings for Florida drivers. Our licensed agents provide instant electronic filing directly with the Florida DMV — no waiting days or weeks. Whether you need a quick FR44 to reinstate your license or same-day proof of coverage, we handle everything. Most filings are completed the same business day. Call now and get back on the road today.
Don't own a vehicle? You can still get FR44 insurance. A non-owner FR44 policy (also called a non-driver certificate) fulfills Florida's filing requirement without a car on the policy. This is typically the most affordable option. Whether you borrow vehicles, use rideshare, or plan to buy a car later, non-owner FR44 keeps your license valid and your record clear. We shop 15+ carriers to find you the lowest non-owner rate.
FR44 insurance in Florida varies based on your driving record, vehicle, and coverage needs. Rates vary by driver, vehicle, and coverage type — non-owner policies are typically the most affordable option. 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. We shop over 15 insurance carriers to find the most affordable rate for your situation — and your quote is completely free with no obligation.
We've been filing FR44 insurance in Florida for over 10 years. Unlike big-box insurers, FR44 is all we do. Our licensed Florida agents handle thousands of filings every year. We file electronically with the DMV the same day, provide instant proof of coverage, and your personal information is never sold to third parties. Veteran-owned, Florida-based, and trusted by thousands of drivers across the state.
