FR-44 Insurance in Cape Coral, Florida

Need FR-44 insurance in Cape Coral? Whether you live near Fort Myers, Bonita Springs, Estero, and Lehigh Acres, our licensed agents help Lee County drivers get affordable FR-44 coverage with same-day electronic filing.

What Is FR-44 Insurance?

FR-44 is a certificate of financial responsibility unique to Florida and Virginia, requiring minimum liability of $100,000/$300,000 bodily injury and $50,000 property damage. Required after DUI convictions. Must be filed by a licensed insurer — you cannot self-file.

Why Cape Coral Drivers Choose Us

• Same-day electronic filing with DHSMV
• 15+ carriers compared for lowest rate
• Monthly payments from $14/month
• Owner and non-owner FR-44 policies
• Bilingual agents (English & Spanish)
• Licensed Florida agents

FR-44 Cost in Cape Coral

Most Cape Coral drivers pay $80-$250/month for FR-44 owner policies. Non-owner policies start around $14/month. Rates depend on age, driving record, vehicle, and zip code within Lee County.

Get FR-44 Filed in Cape Coral Today

Call 1-855-678-6977 or get a free quote online. Same-day filing. Lowest rates in Lee County.

Related: Florida FR44 Guide | FR44 Miami | FR44 Tampa

Major Highways and Local Courts in Cape Coral

Cape Coral sits on a peninsula west of Fort Myers, connected to Lee County’s road network by several key routes. US-41 (the Tamiami Trail) runs north of Cape Coral through Fort Myers, serving as the primary surface artery connecting to Naples and Miami to the south and Tampa to the north. SR-78 (Pine Island Road) is the main east-west route leaving Cape Coral to the north. Cape Coral Parkway (SR-884) bisects the city east-west, leading to the Cape Coral Bridge connecting to Fort Myers. Veterans Memorial Parkway offers a second crossing to Fort Myers via the Midpoint Memorial Bridge. Within the city, Del Prado Blvd and Santa Barbara Blvd are major north-south surface routes. DUI arrests on Pine Island Rd, Cape Coral Pkwy, or on the bridges connecting to Lee County trigger FR-44 requirements.

Cape Coral Courthouse and DHSMV

• Lee County Justice Center: 1700 Monroe St, Fort Myers, FL 33901 — 20th Judicial Circuit; processes DUI convictions from Cape Coral and all of Lee County
• Lee County Criminal Justice Complex: 2701 Cleveland Ave, Fort Myers, FL 33901 — criminal division for DUI proceedings
• Florida DHSMV — Cape Coral Service Center: 822 Pine Island Rd NW, Cape Coral, FL 33993 — primary DHSMV office for Cape Coral drivers

Cape Coral Driver Context

Cape Coral is one of the fastest-growing cities in the United States, with a population exceeding 210,000. Known as the “Waterfront Wonderland” for its 400+ miles of navigable canals, Cape Coral’s car-dependent suburban layout means virtually all residents depend on personal vehicles for daily life. Lee County issues approximately 1,200 DUI citations annually, with peak enforcement during winter season (October–March) when the snowbird population surges. After a DUI conviction in the 20th Judicial Circuit, Cape Coral drivers must maintain FR-44 coverage for 3 continuous years before the DHSMV will fully restore driving privileges.