Is SR44 insurance the same as FR44 in Florida?

Yes, in practice. 'SR44' isn't a Florida form. People who search it mean the FR-44, which your insurer files with the FLHSMV after a DUI conviction to prove 100/300/50 liability.

Do I need an SR-22 or FR-44 in Florida?

A DUI conviction calls for the FR-44. Other suspensions (for example, some crash or judgment cases) can call for an SR-22.

How fast can you file my FR-44?

We file electronically the same day you purchase. DHSMV confirmation can lag.

Is FR44 a type of insurance?

No. FR-44 is a certificate your insurer files with FLHSMV. It proves you carry auto liability insurance at the higher limits Florida requires after a DUI conviction.

What does FR44 stand for?

FR-44 is the name of Florida's financial responsibility certificate for drivers covered by s. 324.023. People call the policy behind it FR44 insurance.

Can I have FR44 insurance if I don't own a car?

Yes. A non-owner policy at FR-44 limits can satisfy the requirement when you don't own a vehicle.

Is FR44 the same as SR22?

No. SR-22 proves Florida's standard minimums after certain violations. FR-44 is for DUI convictions and requires $100,000/$300,000/$50,000 in liability limits.

Process

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 DHSMV. And it proves you carry 100/300/50 liability after a DUI.

We've talked to a lot of people who spent days quoting SR22 because that is the word every national site uses. Florida DUI is not an SR22 situation. The DHSMV wants the FR44, and an SR22 will not reinstate you.

So the policy is what you buy. The FR44 is the filing that tells the state you have it. We shop 15+ carriers, then we file electronically the same day you purchase. Filing same day is not the same thing as your license printing same day. DHSMV confirmation can lag.

Watch: What Is A Florida FR44?

What the video covers

FR44 coverage is listed as 100/300/50: $100,000 per person, $300,000 per accident and $50,000 property damage.
You can buy more coverage than that, but not less.
There are owner and non-owner FR44 policies; non-owner is the cheapest way to go if you don't have a vehicle.
Shopping several insurance companies is the way to find the lowest price.

FR-44 at a glance

Who needs it	Drivers convicted of DUI in Florida after October 1, 2007 — including a no-contest plea or withheld adjudication.
Required limits	100/300/50: $100,000 bodily injury per person, $300,000 per crash, $50,000 property damage (or a $350,000 certificate of deposit in place of a policy).
Who files it	Your insurance carrier files the FR-44 electronically with the Florida DHSMV (FLHSMV). You do not file it yourself.
How long	Three years, counted from the date your driving privilege is reinstated — not from your arrest or conviction date.
If it lapses	Your carrier must report the cancellation to the state, and the DHSMV can suspend your driver license and registration again.
Source	Fla. Stat. 324.023, 324.0221 and the FLHSMV DUI FAQ, checked Oct 17, 2026.

Is 'SR44' a real form in Florida?

There's no SR-44 form in Florida. People searching 'SR44' almost always mean the FR-44, the certificate your insurer files with the FLHSMV after a DUI conviction to prove you carry 100/300/50 liability. If your suspension wasn't DUI-related, Florida may ask for an SR-22 instead. We shop 15+ carriers and file the same day you buy.

FR-44 vs SR-22 in one line each

FR-44: the filing Florida requires after a DUI conviction, proving 100/300/50 liability for three years from reinstatement.
SR-22: the filing used for other suspensions, at Florida's lower liability limits.

Full comparison: What is the difference between FR44 and SR22 in Florida?

FR44 insurance, explained plainly: certificate vs. policy

FR-44 insurance is not a separate kind of insurance. It is an ordinary auto liability policy with higher limits ($100,000/$300,000/$50,000), plus a certificate your insurer files with FLHSMV to prove you carry it after a DUI conviction (s. 324.023).

Three pieces people mix up

Piece	What it is	Who handles it
The policy	Auto liability coverage at FR-44 limits or higher	You buy it from a carrier that writes FR-44
The FR-44 certificate	Proof of that coverage, filed with the state	Your insurer files it with FLHSMV
The requirement	The legal duty to keep that proof on file for a minimum of 3 years from reinstatement	Set by s. 324.023 after a DUI conviction

Owner policy or non-owner policy

If you own a car, the FR-44 sits on your owner policy. If you don't own a car, you can still satisfy the requirement with a non-owner policy at the same limits. See non-owner FR-44 in Florida.

Why it costs more than regular Florida insurance

Two reasons: the required limits are higher than standard Florida minimums, and the DUI conviction is on your record. What you actually pay depends on the carrier and your own driving history. See FR-44 cost in Florida.

Next: full Florida FR-44 requirements · how long you need it · FR-44 vs SR-22.

Primary source: Fla. Stat. § 324.023 · FLHSMV insurance requirements

Still need an answer for your own case?

Every FR44 situation has details a page can't cover. Tell us yours and we'll shop it across our carriers and file the same day you buy.

Get a Florida FR44 quote Call 855-678-6977