FR44 Insurance Boca Raton Florida 2026 — Rates, Requirements & Same-Day DHSMV Filing
FR44 Insurance in Boca Raton, Florida — 2026 Guide
If you need FR44 insurance in Boca Raton, Florida, you’re required to maintain high-risk liability coverage for 3 consecutive years following a DUI-related license suspension. Florida mandates FR44 limits of $100,000/$300,000/$50,000 — far above standard auto insurance minimums. MyFloridaFR44.com has served Boca Raton and Palm Beach County drivers since 2010, with rates starting at $14/month and same-day electronic DHSMV filing.
Boca Raton FR44 Insurance Rates — 2026
| Driver Profile | Monthly Premium (Est.) | Annual Premium (Est.) |
|---|---|---|
| Clean record except DUI, age 30+ | $14 – $35 | $168 – $420 |
| Under 25 with DUI | $40 – $80 | $480 – $960 |
| Multiple DUIs or prior lapse | $60 – $120 | $720 – $1,440 |
| Non-owner FR44 (no vehicle) | $15 – $25 | $180 – $300 |
Florida FR44 Requirements for Boca Raton Drivers
- Coverage limits: $100,000 bodily injury per person / $300,000 per accident / $50,000 property damage
- Duration: 3 years of continuous coverage from DHSMV notification date
- Filing: Insurer must electronically file Form HSMV 82511 with DHSMV
- Non-owner option: Available for drivers who don’t own a vehicle — covers any car you drive
DHSMV Filing Locations Near Boca Raton
- Palm Beach County Tax Collector — South County: 501 S Congress Ave, Delray Beach, FL 33445
- Palm Beach County Tax Collector — West Boca: 9088 Glades Rd, Boca Raton, FL 33434
- Broward County Tax Collector — Deerfield Beach: 2800 N Federal Hwy, Deerfield Beach, FL 33064 (15 min south)
Why Boca Raton Drivers Choose MyFloridaFR44
- Same-day electronic filing — No paper forms, immediate DHSMV notification
- Rates from $14/month — 15+ carriers compared for the best Boca Raton rate
- No credit check — FR44 eligibility based on driving record only
- Non-owner FR44 available — Coverage without owning a vehicle
- 50,000+ Florida drivers served since 2010
- Local Palm Beach County knowledge — We know South Florida DHSMV requirements
FAQ: FR44 Insurance Boca Raton
How long do I need FR44 insurance in Boca Raton?
Florida mandates 3 years of continuous FR44 coverage. The clock pauses during lapses but does not reset. Serve all 36 months of active coverage to complete the requirement.
Can I get FR44 insurance same-day in Boca Raton?
Yes. Most policies are issued and electronically filed within 2-4 hours of application. Same-day coverage available for Boca Raton and all Palm Beach County.
Does a Boca Raton ZIP code affect my FR44 rate?
Yes — insurance rates are partially ZIP-code based. Boca Raton (33431, 33432, 33433, 33434, 33486, 33487, 33496) generally falls in a moderate rate tier for Palm Beach County. Rates are typically lower than Miami-Dade but slightly higher than inland Florida counties.
Get same-day FR44 insurance in Boca Raton. Call 1-800-229-7131 or get a free quote online.