Is FR44 insurance really available for $14 a month?

Yes, but read what it applies to. The $14 a month figure is our starting point for a non-owner FR44 policy, which is the cheapest form of FR44 there is. It is not the price of an FR44 on a car you own, and it is not a rate everyone qualifies for.

A non-owner policy is cheaper for one reason. It only covers you when you drive a vehicle you do not own or have registered to you. There is no car on the policy, so there is no comprehensive, no collision, and no coverage for a vehicle sitting in your driveway. If you own a registered vehicle in Florida, this is not the policy you need, and buying it will not satisfy the state.

What moves your number off that starting point is the same handful of things every time: your driving record, how recent the DUI is, whether there were other violations, your age and location, and which carrier ends up writing you. Two people can walk in with the same DUI and get different numbers because the carriers score the rest of the record differently.

Owner FR44 policies start higher, because Florida makes you carry 100/300/50 after a DUI and carriers price that as high risk coverage. That is the real driver of FR44 cost, not the filing.

The honest way to find your number is to let us run it. We shop 15+ carriers and tell you what each one actually returns for your record, rather than quoting you a headline rate and adjusting it later.