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 license.
What the video covers
- Sam gives ballpark monthly ranges for one DUI on an otherwise clean record versus a DUI plus other violations.
- Many standard carriers won't write FR44 policies or quote very high to turn you away; specialty high-risk carriers compete for it.
- Four main things set your rate: your driving record, your age, your vehicle and where you live.
- The FR44 lasts three years from your reinstatement date, then it drops off and rates come back down.
Your rate moves with driving history, the DUI, your age, your zip, and whether you need an owner policy or a non-owner policy. Non-owner is usually cheaper because there is no vehicle to insure. Owner coverage costs more, and full coverage on a financed car costs more than that. Carriers also disagree with each other on the same driver, which is why we shop 15+ of them.
The FR44 filing fee is not a state stamp we set. Your carrier sets it. Some include the filing. Others add a one time fee. We tell you that number before you buy.
We do not invent a teaser rate. We quote your situation, then we file electronically the same day you purchase.