Car Insurance After a DUI in Florida | FR-44 Required
If you’ve been charged with or convicted of a DUI in Florida, one of your first questions is probably about your car insurance. The short answer: yes, you can still get covered—but it will look different, and an FR-44 certificate will be part of the picture.
What Is DUI Insurance in Florida?
There’s no official product called “DUI insurance.” What Florida actually requires after a DUI conviction is an FR-44 certificate of financial responsibility—filed by your insurer with the state—combined with higher liability coverage than the standard minimum. Once you have a valid FR-44 on file, your license can be reinstated and you can legally drive again.
What Florida Requires After a DUI
- Bodily Injury Liability: $100,000 per person / $300,000 per accident
- Property Damage Liability: $50,000 minimum
- FR-44 certificate filed electronically with DHSMV
- Coverage must stay continuous for 3 years—a lapse means your license gets suspended again
How Does a DUI Affect My Car Insurance Rates?
Expect your premium to increase—sometimes significantly. Standard carriers (Geico, State Farm, Allstate) often won’t touch a DUI driver, or they price it so high it’s not realistic. That’s why working with a specialist who shops non-standard carriers matters. At MyFloridaFR44.com, we compare 15+ carriers that specifically work with high-risk drivers, and we find the lowest rate available for your situation.
Owner vs. Non-Owner After a DUI
Two options exist depending on your situation:
- FR-44 Owner Policy – You own or regularly use a vehicle. The policy covers that specific vehicle and satisfies the FR-44 requirement.
- FR-44 Non-Owner Policy – You don’t own a car. This covers you when driving borrowed or rented vehicles and still satisfies DHSMV’s FR-44 requirement. Starting at just $14/month.
How Long Do You Need FR-44 After a DUI?
Florida requires the FR-44 to remain active for 3 years from the date of reinstatement—not the conviction date. If coverage lapses at any point, the clock can restart. This is why continuous coverage matters, and why we make it affordable with monthly payment options.
Can I Get Monthly Payments?
Yes. Most carriers require a 6-month lump-sum payment upfront—which can be brutal after the fines and court costs of a DUI. MyFloridaFR44.com works with carriers who offer monthly payment plans so you can get legal and stay legal without draining your account.
Get Covered Today — Same-Day Filing
We file your FR-44 electronically with DHSMV the same day. Call 1-855-678-6977 or fill out the form on this page—takes 30 seconds, no obligation.