FR44 Insurance in Bay County, Florida
FR44 Insurance in Bay County, Florida
Bay County (Panama City/Panama City Beach) requires FR44 insurance for all DUI convictions under Florida law. Spring Break capital; US-98 beach enforcement; FHP heavy March-April.
FR44 Requirements
- Coverage: $100,000/$300,000/$50,000
- Duration: 3 years from reinstatement
- Circuit: 14th Judicial Circuit
- Filing: Electronic — same day
FR44 Rates in Bay County
| Driver Type | Monthly | Annual |
|---|---|---|
| Non-owner | $18 – $41 | $216 – $492 |
| Owner, older vehicle | $84 – $187 | $1008 – $2244 |
Non-owner FR44 available for license reinstatement without owning a vehicle — same-day DHSMV filing.