FR44 Insurance Clearwater Florida 2026 — Rates & Same-Day DHSMV Filing
FR44 Insurance in Clearwater, Florida — 2026 Guide
Need FR44 insurance in Clearwater after a DUI? MyFloridaFR44.com provides same-day DHSMV electronic filing with rates starting at $14/month. 15+ Florida-licensed FR44 carriers serving Clearwater and surrounding areas.
What Is FR44 Insurance?
FR44 is a Florida-specific insurance certificate required after DUI and alcohol-related driving offenses. Requires elevated liability limits of 100/300/50 ($100K/$300K/$50K) — 10x Florida minimum. Required for 36 consecutive months from conviction date.
Why Clearwater Drivers Choose Us
- Same-day e-filing: FR44 certificate submitted to DHSMV within hours
- 15+ carriers: Multiple Florida-licensed FR44 carriers compete for your rate
- From $14/month: Non-owner FR44 policies for qualified drivers
- No credit check: Based on driving record only
FR44 Requirements
| Requirement | Details |
|---|---|
| Liability | $100K/$300K/$50K |
| Duration | 36 months |
| Filing | Electronic HSMV 83499 |
| Fee | $150 reinstatement |
Policy Types
Owner FR44: For vehicle owners — $800-$2,500/year first DUI.
Non-Owner FR44: For drivers without a vehicle — from $14/month.
Clearwater Rates (2026 Estimates)
- First DUI, no accident: $800-$2,500/year owner; $168-$500/year non-owner
- First DUI with accident: $1,500-$4,000/year
- Second DUI: $2,500-$6,000+/year
Get Covered
- Free quote: Call (855) 678-6977 or MyFloridaFR44.com
- Choose your policy from 15+ carriers
- Same-day binding + electronic DHSMV filing
- License reinstated
FAQ
How long? 36 months from conviction.
Suspended license? Yes, FR44 is required for reinstatement.
Move away? FR44 follows your FL license.