MyFloridaFR44 (Florida License #L091747) is appointed with over 15 Florida-licensed insurance carriers that write FR-44 policies. We compare rates across all of them for your specific situation — your driving history, location, vehicle ownership status, and coverage needs — to find your lowest possible rate. One call gets you quotes from every carrier listed on this page.
Why Comparing FR-44 Carriers Matters
Every insurance company uses a different rating formula for high-risk drivers. A DUI conviction that makes you expensive at one carrier might make you affordable at another. The difference between the cheapest and most expensive FR-44 quote for the same driver can vary dramatically between carriers. That is why comparing multiple carriers is the single most important thing you can do to reduce your FR-44 insurance cost.
Florida requires FR-44 coverage limits of 100/300/50 — that is $100,000 bodily injury per person, $300,000 per accident, and $50,000 property damage. These limits are roughly double the standard Florida minimums, which is why FR-44 policies cost more than regular insurance. The carriers below all write policies at these required limits. See our FR-44 insurance guide for full coverage details.
FR-44 Carrier Cost Comparison Table
Below is a general comparison of FR-44 carriers in Florida. Actual rates vary based on your driving record, ZIP code, vehicle, age, and other factors. Use this as a starting point — then call us for real quotes from all carriers at once.
| Carrier | Non-Owner FR-44 | Owner FR-44 | Monthly Payments | Best For |
|---|---|---|---|---|
| Progressive | Varies | Varies | Yes | Owner policies, monthly billing |
| Dairyland | Varies | Varies | Yes | Multiple violations, non-owner specialist |
| Bristol West (Nationwide) | Varies | Varies | Yes | Flexible payment plans |
| Gainsco | Varies | Varies | With down payment | South Florida drivers |
| The General | Varies | Varies | Yes | Difficult driving records |
| Mercury | Varies | Varies | Yes | Competitive owner rates |
| Foremost | Varies | Varies | Yes | Older vehicles, specialty |
| National General | Varies | Varies | With down payment | Bundling options |
| Infinity | Varies | Varies | With down payment | Budget-conscious drivers |
Rate ranges are estimates based on typical Florida FR-44 filings as of 2026. Your actual rate depends on your driving record, county, vehicle, age, gender, marital status, and carrier underwriting rules. Call 1-855-678-6977 for exact quotes.
Detailed Carrier Profiles
Progressive FR-44
One of Florida's most popular FR-44 carriers. Known for competitive owner policy rates and flexible monthly billing. Progressive offers same-day electronic FR-44 filing and an easy online payment portal. Their Snapshot program can further reduce rates for safe driving habits after the FR-44 requirement ends. Strong claims service and a large network of repair shops statewide.
Dairyland FR-44
Specializes in high-risk drivers through its non-standard auto insurance division. Dairyland is a specialty non-standard auto insurance carrier that writes FR-44 policies for drivers with multiple violations, DUIs, and prior coverage lapses. Rates vary by driver profile — we compare Dairyland against all other available carriers to find your lowest rate. Same-day electronic filing available. Monthly payment plans offered with a low down payment.
Bristol West FR-44
Backed by Nationwide Insurance, one of the largest carriers in the U.S. Bristol West focuses on non-standard and high-risk auto insurance. They offer competitive FR-44 rates with multiple payment plan options including monthly billing. Their connection to Nationwide provides financial stability and reliable claims handling. Good option for drivers who want a big-brand backing without big-brand high-risk surcharges.
Gainsco FR-44
Texas-based carrier with a strong Florida presence, particularly in South Florida markets. Gainsco often offers competitive rates in Miami-Dade, Broward, and Palm Beach counties where FR-44 rates tend to be highest. They specialize in non-standard auto insurance and accept most drivers with DUI convictions. Typically requires a larger down payment but offers monthly billing afterward.
The General FR-44
The General writes FR-44 policies for drivers with a range of driving histories, including multiple violations and prior coverage lapses. Rates vary by driver — we compare The General alongside all other available carriers. Same-day electronic filing and online policy management available. Monthly payment plans offered.
Mercury FR-44
Mercury Insurance writes FR-44 policies in Florida with competitive rates, especially for owner policies on mid-range vehicles. They offer monthly billing and a good online payment system. Mercury is known for responsive claims service and a large network of approved repair shops. Good option for drivers who want reliable service alongside affordable rates.
Foremost FR-44
Part of the Farmers Insurance Group, Foremost offers FR-44 coverage with flexible payment options. They are particularly competitive for older vehicles and specialty coverage situations. Same-day electronic filing available. Foremost is a solid choice for drivers who need a non-owner policy and want the backing of a major insurance group.
National General FR-44
National General (formerly GMAC Insurance) offers FR-44 policies in Florida with options for bundling with other coverage types. They provide monthly payment plans and same-day filing. Good option for drivers who may also need SR-22 filings in other states or who want to bundle with RV or motorcycle coverage after the FR-44 requirement ends.
Infinity FR-44
Infinity Insurance, part of the Kemper family, writes FR-44 policies focused on budget-conscious drivers. They accept most high-risk drivers and offer competitive rates, especially for non-owner policies. Monthly payments available with a down payment. Known for straightforward policy management and bilingual customer service.
Assurance / Other Carriers
In addition to the carriers above, MyFloridaFR44 works with several other admitted and surplus lines carriers that write FR-44 in Florida. These include regional carriers that may offer unique rate advantages for specific counties or driver profiles. When you call, we check every available carrier to find your lowest rate.
Non-Owner vs Owner FR-44 Cost Comparison
The type of FR-44 policy you need has a bigger impact on cost than which carrier you choose. If you do not own a vehicle — or if you sold your vehicle after the DUI — a non-owner FR-44 policy can save you 40 to 60 percent compared to an owner policy.
| Policy Type | Monthly Cost Range | Down Payment Range | Best For |
|---|---|---|---|
| Non-Owner FR-44 | Varies | Varies | No vehicle, cheapest legal option |
| Owner FR-44 (Standard) | Varies | Varies | Own a vehicle, need liability only |
| Owner FR-44 (Full Coverage) | Varies | Varies | Financed vehicle requiring comp/collision |
How to Get FR-44 Quotes from Multiple Carriers
Getting quotes from 15+ carriers sounds time-consuming, but MyFloridaFR44 does it in one call. Here is how the process works:
Step 1: Call or Request a Quote Online
Call 1-855-678-6977 or fill out our online quote form. We collect basic information: your ZIP code, vehicle status (own or non-owner), and a summary of your driving record.
Step 2: We Shop All 15+ Carriers
Our rating engine simultaneously pulls quotes from every FR-44 carrier in our network. This takes about 5 minutes — not the hours it would take to call each company individually.
Step 3: Compare Rates Side by Side
We present your quotes ranked from cheapest to most expensive, showing monthly payments, down payments, and carrier details. You choose the option that fits your budget.
Step 4: Purchase and File Electronically
Once you choose a policy, we process payment and file the FR-44 electronically with the Florida DHSMV. Filing typically hits the DHSMV system within 15 to 30 minutes.
Step 5: Reinstate Your License
With the FR-44 filed and any other DHSMV requirements met (fees, DUI school, ignition interlock), visit your local DHSMV office to reinstate your license. See our license reinstatement guide for full steps.
Step 6: Maintain Coverage for 3 Years
Florida requires FR-44 coverage maintained for 3 years from the date of your license reinstatement. Do not let the policy lapse — even one day triggers a license suspension and the clock can reset. See our monthly payments page for billing options.
Common Mistakes When Choosing an FR-44 Carrier
1. Accepting the First Quote
The biggest mistake drivers make is going to one carrier — often their existing insurer — and accepting whatever rate they quote. The same driver can see a huge difference between the cheapest and most expensive carrier. Always compare at least 5 carriers before buying.
2. Buying an Owner Policy When You Do Not Own a Car
If you sold your vehicle or if your license was suspended and someone else owns the car you drive, a non-owner FR-44 policy may be all you need — at half the cost. See our non-owner FR-44 guide to check if you qualify.
3. Choosing a Carrier Without Monthly Payments
Some FR-44 carriers require full payment upfront. If cash flow is tight, choosing a carrier that offers monthly payments can make the difference between keeping and losing your coverage — and your license.
4. Not Filing Electronically
Paper FR-44 filings take 5 to 10 business days to process. Electronic filings hit the DHSMV system in minutes. If you need your license back fast — for work, family, or court deadlines — electronic filing is the only option.
5. Letting the Policy Lapse
If your FR-44 policy cancels for any reason — non-payment, carrier withdrawal, or voluntary cancellation — the carrier notifies the DHSMV electronically, and your license is suspended within 24 to 48 hours. A lapse can also reset the 3-year requirement. Set up auto-pay to prevent this.
6. Staying with the Wrong Carrier for 3 Years
You can switch FR-44 carriers mid-policy without penalty. If your current carrier raised rates or if you find a cheaper option 6 months in, switch. The new carrier files a new FR-44, and you may get a prorated refund from the old carrier. Never cancel until the new FR-44 is active.
FR-44 Insurance FAQs
Which insurance companies write FR-44 policies in Florida?
Over 15 carriers write FR-44 policies in Florida, including Progressive, Dairyland, Bristol West (Nationwide), Gainsco, The General, Mercury, Foremost, National General, Infinity, and Assurance. Not every carrier offers both owner and non-owner FR-44 policies. MyFloridaFR44 is appointed with all major FR-44 carriers and compares rates across all of them in one call.
Does GEICO offer FR-44 insurance in Florida?
GEICO does write FR-44 policies in Florida, but typically only for existing customers. If you already have a GEICO policy, they may add an FR-44 filing. Rates vary by carrier and driver profile, so always compare quotes from multiple carriers. See our cheapest FR-44 rates guide for more.
What is the cheapest FR-44 insurance company in Florida?
There is no single cheapest carrier — each company uses a different rating formula. For non-owner FR-44 policies, Dairyland and Gainsco are competitively priced — we shop 15+ carriers to find the lowest rate for your situation. For owner policies, Progressive and Bristol West are often competitive. The only way to find your cheapest option is to compare quotes from multiple carriers simultaneously.
Can I get FR-44 insurance without owning a car?
Yes. Non-owner FR-44 insurance is available from most Florida FR-44 carriers. It provides liability coverage that satisfies the FR-44 requirement without requiring a vehicle. Non-owner policies are typically 40 to 60 percent cheaper than owner policies. See our non-owner FR-44 page for details and quotes.
How fast can an FR-44 be filed with the Florida DHSMV?
Electronic FR-44 filings are submitted to the Florida DHSMV within minutes of policy purchase. Most carriers offer same-day electronic filing. Paper filings can take 5 to 10 business days and are not recommended when you need your license reinstated quickly. See our license reinstatement guide for the full process.
Do all FR-44 companies offer monthly payments?
No. Some carriers require full payment upfront for FR-44 policies, while many others offer monthly payment plans. Down payment requirements also vary by carrier. If monthly payments are important, we filter for carriers that offer billing flexibility. See our monthly payments page for details.
What happens if I switch FR-44 insurance companies?
You can switch FR-44 carriers at any time during your 3-year requirement. The new carrier files a new FR-44 electronically, and the old policy is cancelled. There is no penalty for switching, and if the new rate is lower, you may receive a refund from your previous carrier. Never cancel your old policy until the new FR-44 is filed and active — a gap in coverage will trigger a license suspension and can reset the 3-year clock.
Get Your FR-44 Filed Today
Same-day electronic filing. We shop 15+ carriers to find your lowest rate.
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