Florida DUI Insurance: Complete Guide to FR44 Requirements, Costs, and License Reinstatement (2026)
After a DUI in Florida, understanding what insurance you need — and how much it will cost — is one of the most urgent questions you face. Florida’s requirements are different from nearly every other state. You need FR44, not SR22. The liability minimums are four times higher than standard auto insurance. And the 3-year filing period means the financial impact is measured in years, not months.
This guide covers everything: what FR44 is, how it differs from SR22, what it costs in every major Florida county, how long you need it, non-owner options, and the exact steps to get your license reinstated after a Florida DUI.
What Insurance Do You Need After a DUI in Florida?
FR44 insurance. Florida is one of only two states (with Virginia) that requires FR44 for DUI convictions, not SR22. If you Google “SR22 insurance Florida after DUI,” you’re looking for the wrong certificate — and buying an SR22 policy will get your filing rejected by FLHSMV. The distinction matters because of the liability limits.
| Requirement | Standard Florida Auto | FR44 (DUI Requirement) |
|---|---|---|
| Bodily Injury (per person) | $10,000 | $100,000 |
| Bodily Injury (per accident) | $20,000 | $300,000 |
| Property Damage | $10,000 | $50,000 |
| Filing period | N/A | 3 years from reinstatement |
The 10x higher bodily injury requirement ($100K vs $10K per person) is what drives FR44 costs significantly above standard insurance. This is not optional — Florida law mandates these limits, and your insurer must file the FR44 certificate directly with FLHSMV.
Florida DUI Insurance Costs by County
FR44 rates vary significantly by county, driving history, age, and vehicle. Below are estimated monthly ranges for owned-vehicle FR44 policies in Florida’s major counties as of 2026:
| County | Monthly FR44 | Non-Owner FR44 |
|---|---|---|
| Miami-Dade | $155–$330/mo | $80–$170/mo |
| Broward (Fort Lauderdale) | $150–$305/mo | $78–$162/mo |
| Palm Beach | $145–$310/mo | $78–$162/mo |
| Hillsborough (Tampa) | $140–$295/mo | $75–$158/mo |
| Orange (Orlando) | $140–$290/mo | $75–$158/mo |
| Pinellas (St. Petersburg) | $135–$280/mo | $75–$155/mo |
| Duval (Jacksonville) | $132–$275/mo | $72–$150/mo |
| Lee (Fort Myers/Cape Coral) | $130–$268/mo | $72–$148/mo |
| Brevard (Melbourne) | $125–$260/mo | $70–$145/mo |
| Polk (Lakeland) | $125–$258/mo | $70–$145/mo |
| Volusia (Daytona Beach) | $128–$262/mo | $70–$148/mo |
| Sarasota | $128–$260/mo | $70–$145/mo |
| Collier (Naples) | $135–$280/mo | $75–$155/mo |
| Leon (Tallahassee) | $122–$250/mo | $68–$142/mo |
| Escambia (Pensacola) | $120–$248/mo | $68–$142/mo |
How Long Do You Need FR44 After a Florida DUI?
FR44 must be maintained for 3 years from the date your license is reinstated. Any lapse in coverage — even one day — resets the 3-year clock back to zero. Your insurer is legally required to notify FLHSMV immediately if your policy cancels or lapses. Driving without FR44 during the 3-year period results in immediate license suspension and potential additional legal consequences.
Non-Owner FR44: Insurance Without a Vehicle
If you don’t own a vehicle — common for students, urban residents using public transit, or people who lost their vehicle after a DUI — a non-owner FR44 policy covers you when driving borrowed or rented vehicles (liability coverage only — not physical damage to the car). Non-owner FR44 is substantially less expensive than owner policies: typically $68–$170/month vs $120–$330/month for owner policies.
Steps to License Reinstatement After a Florida DUI
- Complete any court-ordered DUI school, community service, or treatment program
- Obtain an FR44 certificate from a Florida-licensed insurance agency (License L091747 required for independent agencies)
- Pay the FLHSMV reinstatement fee (varies by violation type — typically $150–$500)
- Install ignition interlock device (IID) if required (mandatory for BAC 0.15%+ or repeat offenses)
- Submit all documentation to FLHSMV for reinstatement processing
Why FR44 Costs So Much More Than Standard Insurance
Three factors drive FR44 costs: (1) the 10x higher liability minimums ($100K/$300K vs $10K/$20K), (2) the DUI conviction itself places you in the highest-risk underwriting category with every carrier, and (3) Florida’s no-fault insurance system adds PIP requirements on top of the FR44 liability minimums. Shopping multiple carriers is the single most effective way to reduce your rate — different carriers price DUI risk differently, and the spread between the highest and lowest quote can exceed $200/month.
Get FR44 Insurance in Florida Today
FR44 & SR22 Experts is a Florida-licensed insurance agency (License #L091747). We shop 15+ carriers to find your lowest rate and file FR44 electronically with FLHSMV — most certificates confirmed within 30 minutes. Non-owner FR44 policies available from $68/month. Same-day license reinstatement is our standard.
Call 1-800-229-7131 or get a free quote online at myfloridafr44.com. We cover all 67 Florida counties.