FR44 Facts and News Sections
FR44 Insurance Facts
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About FR44 in Florida
An FR44 is a certificate of financial responsibility required after a Florida DUI conviction. It’s not a separate insurance policy — it’s a form your insurer files directly with FLHSMV proving you carry state-mandated liability minimums.
FR44 is required for anyone convicted of DUI with a BAC of .08% or higher, aggravated DUI (.15%+), or any DUI involving injury or property damage. The requirement runs for 3 continuous years from your conviction date — not your arrest date.
- Liability minimums: $100K/$300K/$50K
- Duration: 3 years from conviction
- Filing fee: $25–$50 (premium increase is the real cost)
- Lapse consequence: Immediate re-suspension + clock resets
- Florida only: Virginia is the only other FR44 state
Why Choose Us
FR44 & SR22 Insurance Experts is a veteran-owned agency with over 20 years of experience helping Florida drivers navigate the reinstatement process as quickly and affordably as possible.
- 50,000+ clients served across Florida
- 15+ insurance carriers compared for every client
- Coverage from $14/month for qualifying drivers
- Same-day electronic filing with FLHSMV
- Licensed FR44 specialists — not a general agency
- Veteran-owned, 20+ years in business
- Available statewide — all 67 Florida counties
Call us at 1-800-229-7131 or get an instant quote online.
Sources: FLHSMV Impaired Driving Annual Report 2023 · Florida Statute §316.193 & §324.023 · NHTSA Traffic Safety Facts Research Note · fr44coveragerequirements.com (2025) · Progressive.com FR44 Guide · foxxinsurance.com FR44 Florida DHSMV
FR44 News & Resources
Expert guides, statistics, and answers to your most important questions.
Florida FR44 Insurance Requirements in 2025: Complete Guide
Everything you need to know: what triggers the FR44 requirement, the liability limits you must carry ($100K/$300K/$50K), how long the requirement lasts, and how to get filed same day.
How to Lower Your FR44 Insurance Premium in Florida
Six proven strategies to reduce your FR44 premium — from shopping 15+ carriers to avoiding lapses, paying annually, and exploring usage-based insurance discounts.
What Happens If Your FR44 Insurance Lapses in Florida
A single lapse triggers an SR-26 cancellation notice, immediate license re-suspension, and a full reset of your 3-year clock. Here’s exactly what happens and how to protect yourself.
FR44 Cost Dynamics: Understanding Policy Variability
While the administrative FR44 filing fee ranges from $15–$45, the real cost is the premium increase. Learn what factors insurers use to calculate your rate and how to minimize them.
Florida Hardship License After a DUI: What You Need to Know
Florida’s lack of public transit means most drivers need their license to work. A hardship license lets you drive legally during your suspension — here’s how to qualify and apply.
The Fastest Way to Get Your Florida License Reinstated
You’ve done your time — now you want your life back. Step-by-step guide to reinstating your Florida driver’s license after a DUI conviction as quickly as legally possible.
When Do You Need Florida FR44 Insurance?
FR44 is required after a DUI conviction — but not every DUI triggers it the same way. Learn which convictions require FR44, who files it, and when the requirement kicks in.
How to Find the Cheapest FR44 Insurance in Florida
Many variables affect FR44 pricing — your driving history, ZIP code, vehicle, and which carrier you choose. Here’s how to shop smart and find the best rate available to you.
The Florida DUI 10-Day Rule Explained
After a Florida DUI arrest, you have just 10 days to protect your driving privileges. Most people don’t know this deadline exists. Here’s what to do and how to respond in time.