Florida DUI Insurance — Complete FR44 Guide 2026 | Requirements, Costs & Filing
Florida DUI Insurance — Complete FR44 Guide 2026
Florida DUI insurance — properly called FR44 insurance — is mandatory after any DUI conviction. You must carry $100,000/$300,000/$50,000 liability coverage for 3 years, and your insurer must file an FR44 certificate electronically with the Florida DHSMV. This guide covers everything from your first DUI to full license reinstatement.
Get your Florida DUI insurance quote → Same-day FR44 filing from $14/month. 15+ carriers compared.
What Is Florida DUI Insurance (FR44)?
“DUI insurance” in Florida means FR44 insurance — a specific type of high-liability auto insurance required by Florida Statute § 324.023 after a DUI conviction. Florida and Virginia are the only two states that use FR44 for DUI-related insurance requirements (all other states use SR22). The key difference: FR44 requires 10× the standard liability limits.
An FR44 certificate is not insurance itself — it’s proof filed with DHSMV that you carry the required high-liability coverage. You buy a qualifying insurance policy, and your insurer files the FR44 form electronically.
Florida DUI Insurance: What You Need, Start to Finish
- FR44 insurance policy — 100/300/50 liability coverage, filed electronically with DHSMV. Complete requirements guide →
- DUI school completion — Level I (12 hours, first DUI) or Level II (21 hours, multiple DUIs). DUI school requirements →
- License reinstatement — $150 reinstatement fee + $130 admin fee. Step-by-step reinstatement guide →
- Ignition Interlock Device (IID) — Required for BAC ≥ 0.15, second DUI, or hardship license. Installation $70–$150 + monthly $60–$90.
- 3-year continuous coverage — Any lapse resets the clock. Consequences of driving without FR44 →
How Much Does DUI Insurance Cost in Florida?
Florida DUI insurance costs $80–$300+/month depending on your offense, age, vehicle, and carrier. The single biggest factor in your rate is which carrier you choose — rates for the same driver can vary by $150+/month between carriers.
| Scenario | Monthly Cost | 3-Year Total |
|---|---|---|
| First DUI, owner policy | $80 – $150 | $2,880 – $5,400 |
| First DUI, non-owner policy | $14 – $60 | $504 – $2,160 |
| Second DUI | $180 – $300+ | $6,480 – $10,800+ |
| DUI + accident | $200 – $350+ | $7,200 – $12,600+ |
Full FR44 cost breakdown → Including county-by-county rates and 6 ways to lower your premium.
Florida DUI Insurance: Owner vs Non-Owner Policies
If you don’t own a vehicle, a non-owner FR44 policy costs $14–$60/month — 40–70% cheaper than an owner policy. It satisfies the DHSMV requirement without insuring a specific vehicle. If you own a vehicle, you need an owner FR44 policy covering that vehicle.
Complete non-owner FR44 guide →
Compare DUI Insurance Carriers in Florida
Not all insurance companies file FR44 in Florida. Progressive and Dairyland dominate the market — they underwrite the majority of FR44 policies. But comparing 15+ carriers (not just the big names) typically saves $50–$150/month.
Full carrier comparison → 8-carrier review with ratings, pricing, and which carriers accept second DUIs.
Florida DUI Insurance by City
FR44 rates vary by Florida city and county. Higher-claim areas (Miami-Dade, Broward) pay 20–30% more than the Panhandle. See full county cost comparison →
- Miami DUI insurance →
- Tampa DUI insurance →
- Orlando DUI insurance →
- Jacksonville DUI insurance →
- Naples DUI insurance →
- Key West DUI insurance →
- Panama City DUI insurance →
Florida DUI Insurance FAQ
Is DUI insurance the same as FR44 in Florida?
Yes. “DUI insurance” in Florida means FR44 insurance. Florida uses FR44 (not SR22) for all DUI-related insurance requirements. FR44 requires 100/300/50 liability — 10× the state minimum.
How long is DUI insurance required in Florida?
Florida requires FR44 coverage for 3 years from the date of DUI conviction. Any lapse in coverage resets the 3-year clock. After 3 years, your insurer files a cancellation and you return to standard insurance.
Can I get Florida DUI insurance if I live in another state?
Yes, if you were convicted of DUI in Florida. You must maintain Florida FR44 for the full 3 years even if you move to another state. Some states may also require SR22 simultaneously — creating a dual filing requirement.
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