FR22 Insurance Florida — You Mean FR44 (Complete Guide)
FR22 Insurance Florida — You Mean FR44
There is no such thing as “FR22 insurance” in Florida. The filing you need after a Florida DUI conviction is FR44 — not FR22, not SR22. Here is everything you need to know.
Get My FR44 Quote →If you searched for “FR22 insurance in Florida,” you almost certainly need FR44 insurance. FR22 is a common misspelling. Florida uses FR44 (not SR22, not FR22) for DUI convictions. The filing is required by the Florida DHSMV before you can reinstate your driver’s license.
FR44 vs FR22 vs SR22 — What Each One Is
| Filing | Real or Misspelling? | What It Is | Who Needs It |
|---|---|---|---|
| FR44 | REAL — Florida Only | Certificate of financial responsibility. $100K/$300K/$50K liability. 3-year requirement. | Florida DUI/DWI convictions |
| SR22 | REAL — Most States | Certificate of financial responsibility. Lower liability limits. Used in 48 states. | DUI/DWI, uninsured accidents, license suspensions in non-Florida states |
| FR22 | NOT REAL — Misspelling | Does not exist as an insurance filing. A common typo for FR44. | Nobody — this filing does not exist |
| FR11 | NOT REAL — Misspelling | Does not exist. Another common typo when people mean FR44. | Nobody — this filing does not exist |
What You Actually Need — Florida FR44
If you have a Florida DUI conviction and your license was suspended, the Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires you to file an FR44 certificate before reinstating your driving privileges. Here is what FR44 requires:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability
- 3 years continuous coverage — any lapse resets the clock
- Electronic filing directly with the DHSMV by your insurance carrier
These limits are double the SR22 standard. FR44 is Florida-specific. No other state uses FR44. If you moved to Florida from another state and previously had SR22, you now need FR44 for any Florida DUI conviction.
Why “FR22” Is Such a Common Search
FR44 is an unusual filing name. People hear it from their attorney, the DHSMV, or their insurance agent and misremember it as “FR22” when they start searching online. Other common variations people search:
All of these are looking for the same thing: Florida FR44 insurance after a DUI conviction. If you found this page, you are in the right place — just spelled it slightly differently.
How to Get FR44 in Florida — 3 Steps
Call 1-800-229-7131 or submit online. We compare 15+ Florida FR44 carriers immediately for your lowest rate.
Choose your lowest rate and pay. Your FR44 policy is active immediately.
We file electronically with the Florida DHSMV. Most filings confirmed within 30 minutes. License reinstatement same day.
Frequently Asked Questions
Is there an “FR22 insurance” in Florida?
No. “FR22 insurance” does not exist as a filing in Florida or any other state. The correct Florida filing after a DUI conviction is FR44. It is very commonly misspelled as FR22. If someone told you that you need “FR22,” they almost certainly meant FR44.
What is the difference between FR44 and SR22?
Both are certificates of financial responsibility filed by your insurance carrier with the state. FR44 is Florida-only and requires $100K/$300K/$50K liability — double the SR22 standard. SR22 is used in most other states (48 states) and has lower minimum limits. If you have a Florida DUI, you need FR44, not SR22.
How much does FR44 cost in Florida?
Non-owner FR44 (no vehicle) starts at $14/month. Owner FR44 policies typically run $65–$160+/month depending on your driving record, vehicle, and which carrier we match you with. We compare 15+ Florida FR44 carriers to find your lowest rate.
How long do I need FR44 in Florida?
3 continuous years from the date your license is reinstated. Any lapse — a missed payment, a billing error — triggers DHSMV notification, re-suspension, and your 3-year clock resets. We monitor all policies to prevent lapses.
Can I get FR44 if I don’t own a car?
Yes. A non-owner FR44 policy satisfies the Florida requirement without insuring a specific vehicle. Starting at $14/month. Covers you when driving borrowed or rental vehicles. Required for the full 3 years regardless of whether you own a car.
Does Florida require FR44 or SR22 after a DUI?
FR44. Florida specifically requires FR44 (not SR22) for DUI convictions. SR22 is required by other states for similar violations. Florida switched from SR22 to FR44 for DUI cases in 2008 because it mandates higher coverage limits. If your DUI was in Florida, you need FR44.
Ready to File Your Florida FR44?
Call 1-800-229-7131 or submit online. Same-day electronic filing to DHSMV. 15+ carriers compared. License reinstatement today.
Get My FR44 Quote →