What Is FR-44 Insurance?
If you've been convicted of a DUI or DWI in Florida, the state requires you to file an FR-44 certificate of financial responsibility before reinstating your driver's license.
Higher Liability Limits Required
FR-44 requires you to carry significantly higher liability coverage than standard Florida minimums: $100,000 per person / $300,000 per accident bodily injury and $50,000 property damage. Your insurance company files the certificate directly with the Florida DHSMV.
How Long Do You Need It?
Most Florida drivers must maintain FR-44 coverage for 3 years from the date their driving privilege is reinstated. Any lapse in coverage — even a single day — can restart the clock and trigger an immediate license suspension.
FR-44 vs SR-22
FR-44 is Florida-specific and requires higher limits than the SR-22 used in other states. If your DUI occurred in Florida, you need an FR-44 — not an SR-22. Need SR-22? Visit SR22Coverage.com.
Don't Own a Car? You Still Need It.
Even without a vehicle, if the Florida DHSMV requires an FR-44, you need one. A non-owner FR-44 policy covers you when driving any vehicle you don't own. These are often the most affordable option. Get a non-owner quote →
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