FLORIDA FR44 INSURANCE — LICENSED FLORIDA AGENCY
FR44 Facts
Real questions from Florida drivers. Direct answers first.
People ask us the same things every day. What does an FR44 actually cost? Can I get one without a car? What happens if it lapses? Does the clock keep running on a hardship license? FR44 Facts gives you the direct answer first, then the details that matter.
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Process
How FR44 works end to end — quoting, filing, checking status, and switching carriers.
7 answers View answers →Cost
What drives Florida FR44 pricing, filing fees, payment plans, and what changes over time.
7 answers View answers →Non-owner
FR44 without a car, driving someone else's vehicle, and moving between owner and non-owner.
7 answers View answers →Filing
How the FR44 reaches the DHSMV, how fast, and what you do and don't have to file yourself.
5 answers View answers →Carriers
Which companies write Florida FR44, and what to do when yours won't.
4 answers View answers →DUI
How a Florida DUI creates the FR44 requirement — including out-of-state and dismissed cases.
4 answers View answers →Duration
How long the FR44 lasts, when the clock runs, and what happens when it ends.
4 answers View answers →FR44 vs SR22
The difference between the two filings, and which one Florida requires of you.
3 answers View answers →Hardship
Hardship and business purpose licenses, and how FR44 fits with them.
2 answers View answers →Lapse
What a lapse or cancellation does to your license and your FR44 clock.
2 answers View answers →License
Reinstatement, DHSMV visits, and getting your driving privilege back.
2 answers View answers →Interlock
How ignition interlock requirements interact with the FR44 filing.
1 answer View answers →Limits
The 100/300/50 liability limits Florida requires on an FR44.
1 answer View answers →Myths
Common FR44 misunderstandings, corrected.
1 answer View answers →Most asked questions
- Is there an FR44 filing fee?Whether there is an FR44 filing fee, and how much it is, is set by your insurance carrier. We do not pick that number. Some carriers include the filing.…
- How do I start filing my Florida FR44?Starting is the part people overcomplicate. You call us or you fill out the short form. We need your license information, the violation, whether a vehicle…
- How much does FR44 insurance cost in Florida?There is no honest single monthly number for Florida FR44, and the sites that print one are guessing with your…
- Can I switch FR44 carriers to save money?Yes. You can switch. The order is the whole…
- What is FR44 insurance in Florida?An FR44 is not the insurance policy. It is a certificate of financial responsibility that your insurance company files electronically with the Florida…
- Do I need owner FR44 or non-owner FR44?If a vehicle is registered in your name, you need an owner FR44. If no vehicle sits in your name, non-owner is usually the policy that satisfies the DHSMV…
- How long do I need FR44 insurance in Florida?Florida typically wants the FR44 kept in force for three years, and the clock usually starts on the date your driving privilege is reinstated. Not the…
- Is FR44 only required after a Florida DUI?In Florida, FR44 is the DUI form. If the DHSMV or the court tied the suspension to a DUI, that is FR44 at…
- Will an SR22 satisfy a Florida DUI requirement?No. An SR22 will not satisfy a Florida…
- What liability limits does Florida FR44 require?Florida FR44 is 100/300/50. That means $100,000 bodily injury per person, $300,000 per accident, and $50,000 property damage. You can carry more. You…
- Can I get FR44 insurance without owning a car?Yes. You do not have to buy a car to get your Florida license back after a…
- What is the difference between FR44 and SR22 in Florida?Both are certificates your insurance company files with the state. Neither one is the policy itself. The difference is what the state makes you carry, and…
Why trust these answers
These answers come from real conversations — questions asked through our chat, over the phone, and in public forums where Florida drivers compare notes after a DUI. They are written by a licensed Florida insurance agency that files FR44s every day, not scraped from other websites.
Licensed Insurance Agent: Samuel Ridgeway • Florida License #L091747
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