Cheapest FR44 Insurance Companies in Florida 2026 | Rate Comparison
FR44 insurance in Florida costs 2 to 4 times more than standard auto insurance because of the state’s elevated liability requirements: 100/300/50 coverage compared to Florida’s normal 10/20/10 minimum. But the price difference between the cheapest and most expensive FR44 provider can be $100 or more per month for identical coverage. Here is what Florida drivers actually pay in 2026 and how to find the lowest rate.
What Makes FR44 Insurance Expensive
FR44 is triggered by a DUI conviction in Florida. The DHSMV requires: bodily injury liability of $100,000 per person and $300,000 per accident; property damage of $50,000 per accident; a certificate of financial responsibility (the FR44 filing itself, submitted electronically by your insurer to DHSMV); and a 3-year filing requirement after license reinstatement. Because FR44 filers are statistically higher-risk drivers, insurers charge accordingly—and not all carriers write FR44 policies at all in Florida.
Cheapest FR44 Insurance Companies in Florida 2026
Based on aggregated rate data from Florida FR44 filers in 2026 (single DUI, 35-year-old male, 2020 sedan):
| Company | Estimated Monthly Rate | Notes |
|---|---|---|
| Progressive | $85–$130 | Largest FR44 writer in FL; Snapshot telematics discount available; same-day electronic DHSMV filing |
| State Farm | $90–$140 | Competitive for DUIs 12+ months prior; may decline very recent DUI |
| Dairyland | $95–$145 | Non-standard specialty carrier; accepts high-risk drivers other carriers decline |
| The General | $100–$160 | SR22/FR44 specialist; higher base rates but broad acceptance regardless of DUI recency |
| Gainsco | $105–$155 | Non-standard carrier focused on FL; strong acceptance rate for recent DUI |
| Bristol West | $110–$165 | Very high FR44 acceptance rate in FL; rates reflect open underwriting |
| Allstate | $115–$170 | Selective; better rates for DUIs 2+ years prior |
| Geico | $120–$180 | Higher FR44 rates; some agents decline DUI within past 6 months |
Rates vary by county, driving history, vehicle, age, and credit score. Ranges represent a representative profile; your actual quote may be lower or higher.
7 Factors That Determine Your FR44 Rate
- Time since DUI: The single most important factor. Rates drop significantly after 12 months and again after 36 months (when the FR44 filing requirement ends).
- BAC at arrest: BAC of 0.15 or higher triggers enhanced penalties and higher rates from most carriers.
- County: Miami-Dade, Broward, and Palm Beach county rates are the highest in Florida—15 to 25 percent more than rural counties for the same coverage.
- Vehicle: High-performance or luxury vehicles cost significantly more under FR44 minimum limits.
- Prior insurance lapse: Any gap in coverage—even during license suspension—can increase rates by 20 to 40 percent.
- Credit score: Florida allows credit-based insurance scoring. A poor credit score can add $50 to $100 per month.
- Additional violations: Reckless driving, multiple DUIs, or open container charges on record will push you to non-standard carriers with higher base rates.
How to Get the Cheapest FR44 Quote in Florida
The most effective strategy: compare multiple carriers simultaneously. myfloridafr44.com shops 15 or more carriers at once, including specialists like Dairyland and Gainsco that do not appear on standard comparison sites. Our agents understand FR44 requirements, file directly with DHSMV electronically, and typically complete same-day or next-business-day filing. Steps to minimize your FR44 cost: compare at least 4 to 5 carriers before binding; ask which carriers will write FR44 in your specific county; ask about annual payment (saves 8 to 15 percent over monthly); ask about telematics discounts; and do not let your policy lapse once active.
Get your free FR44 quote here — takes 2 minutes, no credit check, instant comparison across all Florida carriers that write FR44.
Q: What is the cheapest FR44 insurance company in Florida?
Progressive and State Farm typically offer the lowest rates ($85–$140/month). For recent DUIs or additional violations, non-standard carriers like Dairyland and Gainsco may be more competitive. Always compare at least 4–5 carriers.
Q: How much does FR44 insurance cost per month in Florida?
$85–$180 per month in 2026, depending on carrier, DUI history, county, vehicle, and credit score. Progressive is typically the lowest-cost major carrier writing FR44 in Florida.
Q: Does Progressive write FR44 insurance in Florida?
Yes. Progressive is the largest FR44 writer in Florida, typically offers the lowest rates for FR44 filers, and files the certificate electronically with DHSMV the same day in most cases.
Q: How long do I need FR44 insurance in Florida?
3 years from the date your license is reinstated. The clock runs only while the FR44 is continuously active—any lapse restarts the requirement. After 3 consecutive years, you can switch to standard auto insurance.