★★★★★4.9/5 from 300+ Google Reviews
1
Personal
2
Filing & License
We Shop These Carriers For You
+ 11 more
Florida's FR44 specialists. We shop 15+ carriers to find your lowest rate.
+ 11 more
"Got my FR44 filed the same day I called. The process was so much easier than I expected."
— Jennifer M., Miami, FL
"I was quoted $300/month elsewhere. These guys found me coverage for less than half that. Incredible."
— Marcus T., Orlando, FL
An FR44 is a certificate of financial responsibility filed with the DHSMV 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 DHSMV 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.
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 DHSMV — 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 in under 15 minutes. 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 — rates start as low as $15/month. 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. Owner policies typically range from $50-$150/month, while non-owner FR44 policies can be as low as $15-$30/month. The FR44 filing itself is usually $15-$25 one time. 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 DHSMV 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.