Where Dairyland Offers FR44 Insurance Coverage
Dairyland Insurance
Dairyland’s Role in Florida FR44 Insurance
Dairyland Insurance has long been a trusted name for high-risk drivers in Florida, especially those requiring FR44 coverage after a DUI or other serious driving offense. As one of the few major carriers that consistently supports FR44 filings, Dairyland has built a reputation for fast approvals, flexible payment plans, and real coverage — even when other insurers decline to quote.
Florida’s FR44 requirement is one of the strictest in the country, and not all insurance companies are willing to write policies that meet the higher liability limits. Dairyland not only accepts high-risk drivers but also makes it easier to reinstate driving privileges with minimal delay. Whether you're a Florida resident or someone with an out-of-state license needing to comply with Florida DMV rules, Dairyland's partnership with our licensed agents makes the process smooth and accessible.
Why FR44 Coverage Is So Much Higher Than State Minimums
Most Florida drivers only need to meet the state's basic liability minimums — typically $10,000 for property damage and $10,000 in personal injury protection. But if you’ve been convicted of a DUI or similar offense, the state imposes a much tougher requirement: FR44 insurance, which demands $100,000 per person / $300,000 per accident in bodily injury coverage, plus $50,000 in property damage.
These are not optional upgrades — they are legally required to reinstate or maintain your driver’s license. Many standard insurance companies won’t write FR44 policies at all. Dairyland, however, offers FR44-compliant insurance with flexible payment options and fast electronic filing with the Florida DMV. This makes it one of the few carriers that combines affordability, accessibility, and compliance in one solution.
Out-of-State License? No Problem.
If you’ve been convicted of a DUI in Florida but live in another state—or never lived in Florida at all—you may still be required to carry an FR44 policy to reinstate your driving privileges. This is a common but confusing situation.
Dairyland is one of the few insurers that supports FR44 filings for out-of-state residents. Whether you're a:
- Snowbird with a license in another state
- Student attending college outside Florida
- Traveler cited for a DUI while visiting Florida
- Former Florida resident now relocated
Our licensed agents help you meet Florida DMV requirements without needing to re-establish residency. With Dairyland’s broad coverage across 35+ states, we make FR44 compliance simple—wherever you are.
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