Fast, affordable FR44 insurance with same-day electronic filing. Serving Cross City, Old Town, Horseshoe Beach, Suwannee, and all of Dixie County. Get back on the road today.
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Get Your Free Quote NowGot a DUI in Dixie County? Florida law requires you to carry FR44 insurance for at least 3 years after a DUI conviction. Whether you're in Cross City, Old Town, Horseshoe Beach, or anywhere else in Dixie County, we provide fast, affordable FR44 insurance with same-day electronic filing to the Florida DHSMV. You don't need to visit an office — everything is handled by phone.
Dixie County is one of Florida's most rural counties, with roughly 17,000 residents spread across 864 square miles of Gulf Coast wilderness, pine forests, and spring-fed rivers. There is zero public transportation anywhere in the county. Losing your driver's license here isn't just inconvenient — it's existential. You need your vehicle to get to work, buy groceries, attend court, and live your life. That's why we make the FR44 process as fast and painless as possible.
The Dixie County Sheriff's Office (DCSO), Cross City Police Department, and FHP Troop B (Lake City) all patrol Dixie County's roadways. The FWC actively patrols coastal waters and the Suwannee River for BUI. Here are the primary DUI enforcement areas:
Dixie County's rural character and low population density can work in your favor for base insurance rates, but the required FR44 coverage limits are mandated statewide. Here's what to expect:
| Coverage Type | Monthly Cost (FR44 Filing) | What It Covers | Best For |
|---|---|---|---|
| Non-Owner FR44 | $9 – $15/month | Liability coverage when driving borrowed or rental vehicles. No vehicle required. | DUI without a car, or vehicle not in your name |
| Owner-Operator FR44 | $25 – $55/month + base premium | Liability on your registered vehicle. Covers you and any permitted drivers. | You own a vehicle and need to drive daily |
| Broad Form FR44 | $35 – $75/month + base premium | Covers you in any vehicle you drive — yours, borrowed, or rented. | Multiple vehicles or frequent borrowing |
| Excluded Driver FR44 | $9 – $15/month | Non-owner policy that specifically excludes you from family/household vehicle coverage. Satisfies state requirement. | Someone else's insurance covers the household vehicles |
Population: ~1,700 | Zip: 32628
County seat and largest community in Dixie County. Home to the Dixie County Courthouse (3rd Judicial Circuit), Tax Collector office, and Cross City Airport. US-19 and SR-349 intersect here, making it the hub for all county services. If your DUI case is in Dixie County, your court appearances will be at the courthouse on NE 191 Street.
Population: ~500 | Zip: 32680
Unincorporated community along US-19 in central Dixie County. Second-largest settlement in the county. Old Town is a crossroads community — CR-351 heads west toward the coast from here. The US-19 corridor through Old Town is a primary DUI enforcement zone, especially on summer weekends.
Population: ~200 (seasonal surge) | Zip: 32648
One of Florida's most isolated Gulf Coast communities, accessible only by CR-351 (Horseshoe Beach Road). Known for scalloping, fishing, and kayaking. Population swells dramatically during summer scallop season. DCSO and FWC run heavy enforcement on CR-351 and in coastal waters during July–September.
Population: ~300 | Zip: 32692
Remote fishing village at the mouth of the Suwannee River where it meets the Gulf of Mexico. Accessible via CR-349 from Old Town. World-renowned for sport fishing and nature tourism. FWC BUI enforcement is intense on the Suwannee River, particularly during summer holidays and scallop season.
Population: <50 | Zip: 32648
Extremely remote Gulf Coast outpost at the end of CR-351 past Horseshoe Beach. Shired Island County Park offers camping, boat ramps, and shoreline fishing. Zero services — no gas station, no store. FWC and DCSO patrol the access road heavily during scallop season.
Population: ~300 | Zip: 32693
Small community on the east side of Dixie County along the Dixie-Gilchrist county line. Rural residential area along SR-349. Most Jena residents commute to Cross City or Chiefland (Levy County) for work and services.
Population: Shared with Gilchrist County | Zip: 32693
Fanning Springs straddles the Dixie-Gilchrist county line on the Suwannee River. The Dixie County portion is primarily rural residential. Fanning Springs State Park draws visitors for swimming and manatee watching. The SR-26 bridge over the Suwannee is a known enforcement point.
Population: ~200 | Zip: 32628
Residential area near the Cross City Airport (CTI) on the outskirts of Cross City. The airport area and SR-55A see regular DCSO patrols. Remote enough to feel rural, but close enough to Cross City for law enforcement to respond quickly.
Population: ~100 | Zip: 32628
Rural northern Dixie County near the Taylor County line. Vast pine plantations, timberland, and hunting camps. Extremely low population density. US-19 is the only paved artery. FHP Troop B patrols this corridor for through-traffic and commercial vehicles.
Population: <100 | Zip: 32648
Unincorporated coastal area between Horseshoe Beach and Suwannee. Accessible only by unpaved roads or boat. Primarily fishing camps, hunting lodges, and seasonal residences. Some of Florida's most remote coastline. If you get a DUI out here, you're dealing with DCSO or FWC — there's no municipal police department.
Population: ~150 | Zip: 32680
Rural south Dixie County near the Levy County line. Agricultural area with timber and cattle operations. US-19 is the main (and only paved) road. FHP saturation patrols target this corridor for through-traffic heading to and from Gainesville.
Population: ~14,000 | Zips: 32628, 32680, 32693
The vast majority of Dixie County's land area is unincorporated timberland, wetlands, and coastal marsh. Communities include Sharpe, Cross City Outparcels, Putnam Lodge, and scattered homesteads along US-19, SR-349, and CR-351. Law enforcement is exclusively DCSO and FHP — response times can be 30+ minutes in remote areas.
After a DUI conviction in Dixie County, you must complete several steps to reinstate your driver's license. The process involves the Dixie County Tax Collector, FLHSMV, and your FR44 insurance provider. Here's the step-by-step process:
You must complete a state-approved DUI education program (Level 1 for first offense, Level 2 for subsequent). The closest DUI school programs to Dixie County are typically in Gainesville (Alachua County) or Lake City (Columbia County). Contact the Dixie County Clerk of Court at (352) 498-1206 for approved providers.
Call us at 1-855-374-4357 to get your FR44 insurance policy. We file the FR44 certificate electronically with the FLHSMV within minutes of your purchase. You'll receive proof of filing immediately — you'll need this for reinstatement.
Bring the following to the Dixie County Tax Collector:
Your DUI sentence may include community service, probation, ignition interlock device (IID) installation, or substance abuse evaluation/treatment. The 3rd Judicial Circuit Court at the Dixie County Courthouse handles all misdemeanor and felony DUI cases.
Dixie County spans 864 square miles with approximately 17,000 residents. There is no bus system, no ride-sharing (Uber/Lyft do not operate here), and no taxi service. The nearest commercial airport is in Gainesville (~60 miles from Cross City). If you lose your license, you are stranded. This makes FR44 insurance not just a legal requirement but a survival necessity.
Dixie County's Gulf Coast is among the most remote in Florida. Communities like Horseshoe Beach, Suwannee, and Shired Island are accessible only by long, narrow county roads. Law enforcement knows these roads well and positions patrols strategically. A DUI arrest on CR-351 or SR-349 means a long transport to the Dixie County Jail in Cross City — and a complicated, expensive legal process.
Every July through September, thousands of visitors descend on Dixie County's coast for scallop season. The combination of boating, sun, alcohol, and long drives back to lodging creates a spike in DUI/BUI arrests. DCSO, FHP, and FWC all increase patrols during this period. Many out-of-county and out-of-state visitors get DUIs here — your case stays in Dixie County regardless of where you live.
Large portions of Dixie County are timber plantations (Rayonier, Forest Capital Partners), private hunting camps, and land enrolled in conservation programs. If your DUI occurs on a private logging road or hunting camp access road, the jurisdictional issues can be complex. Some areas border the Lower Suwannee National Wildlife Refuge — federal land where federal DUI charges may apply separately from state charges.
Many Dixie County residents commute to Gainesville (Alachua County), Lake City (Columbia County), or Chiefland (Levy County) for work. A DUI in Dixie County but your workplace in another county creates logistical challenges for court appearances, DUI school attendance, and reinstatement. We handle FR44 filing remotely — no need to visit our office — so you can focus on the court and work logistics.
| Agency | Phone | Address |
|---|---|---|
| Dixie County Sheriff's Office (DCSO) | (352) 498-1231 | 385 NE 255 Avenue, Cross City, FL 32026 |
| Cross City Police Department | (352) 498-2400 | 105 NE 210 Avenue, Cross City, FL 32026 |
| FHP Troop B (Lake City) | (386) 758-0400 | 220 SW Johnny Dodson Blvd, Lake City, FL 32024 |
| FWC (North Central Region) | (386) 758-0525 | 3377 E US Hwy 90, Lake City, FL 32025 |
| Dixie County Courthouse (3rd Judicial Circuit) | (352) 498-1206 | 12 NE 191 Street, Cross City, FL 32026 |
| Dixie County Tax Collector | (352) 498-1205 | 12 NE 191 Street, Cross City, FL 32026 |
| Dixie County Clerk of Court | (352) 498-1206 | 12 NE 191 Street, Cross City, FL 32026 |
| Dixie County Jail | (352) 498-1231 | 385 NE 255 Avenue, Cross City, FL 32026 |
Both FR44 and SR22 are financial responsibility certificates filed with the Florida DHSMV. The key difference:
If you're unsure which you need, check your court order or call the Dixie County Clerk of Court at (352) 498-1206. We handle both FR44 and SR22 filings.
Don't own a vehicle? You still need FR44 insurance if your DUI was in Florida. A non-owner FR44 policy satisfies the state requirement and costs just $9–$15/month. This provides liability coverage when you drive borrowed or rental vehicles.
In Dixie County, where many residents rely on family vehicles or borrow trucks for work, a non-owner policy is often the most practical and affordable option. You can upgrade to an owner-operator policy at any time if you purchase a vehicle.
Dixie County's extensive coastline, Suwannee River access, and world-class fishing make it a BUI hotspot. The FWC aggressively patrols the Suwannee River, Gulf waters, and coastal creeks during scallop season (July–September).
A BUI conviction doesn't automatically trigger FR44 requirements the way a DUI does. However:
If you've been arrested for BUI in Dixie County waters, consult with a local attorney about your specific situation. The 3rd Judicial Circuit State Attorney's Office prosecutes both DUI and BUI cases.
¿Necesita seguro FR44 en el condado de Dixie? Ofrecemos cotizaciones y servicio completo en español. Llame al 1-855-374-4357 para hablar con un agente bilingüe.
Servicios disponibles:
Servicio disponible para todos los residentes del condado de Dixie incluyendo Cross City, Old Town, Horseshoe Beach, y comunidades costeras.
We've helped over 50,000 Florida drivers get back on the road after a DUI. Our agents know the Dixie County reinstatement process inside and out — from the Tax Collector in Cross City to the 3rd Judicial Circuit Court requirements.
Your FR44 certificate is filed electronically with the FLHSMV within minutes of policy purchase. No waiting, no mail delays. You get proof of filing immediately and can head straight to the Tax Collector.
We offer flexible monthly payment plans designed for FR44 clients. No large down payments required. Set up automatic payments to prevent any lapse in coverage — critical for maintaining your license in rural Dixie County.
Don't own a vehicle? No problem. Our non-owner FR44 policies start at just $9/month and fully satisfy Florida's requirements. Perfect for Dixie County residents who rely on family vehicles or need coverage for work commuting.
Hablamos español. Our bilingual agents can guide you through the entire FR44 process in Spanish or English.
Call now for your free Dixie County FR44 quote. Most clients are filed and reinstated within hours.
📞 1-855-374-4357
Call Now — Free QuoteServing all of Dixie County, FL • Cross City • Old Town • Horseshoe Beach • Suwannee • Shired Island
If your DUI occurred in a neighboring county, we can help. Click below for county-specific FR44 information: