FR44 Insurance Coconut Creek, Florida 2026 — Rates, Requirements & Same-Day Filing
If you need FR44 insurance in Coconut Creek, Florida, you must file with DHSMV as part of reinstating your driver’s license after a DUI conviction. Coconut Creek residents (Broward County) need the same FR44 requirements as all Florida drivers: 100/300/50 liability limits, electronic filing with DHSMV, and continuous coverage for 3 years from reinstatement.
FR44 Requirements for Coconut Creek Drivers
- Bodily injury: $100,000 per person / $300,000 per accident (double standard FL minimums)
- Property damage: $50,000 per accident (double standard FL minimums)
- Duration: 3 years from license reinstatement date, no lapses
- Filing: Electronic FR44 certificate filed directly to DHSMV by your insurer
- Reinstatement fee: $150 (first suspension) or $250 (second+) paid to DHSMV separately
Average FR44 Insurance Cost in Coconut Creek
| Driver Profile | Estimated Monthly Rate | Annual Estimate |
|---|---|---|
| First DUI, clean prior record | $85–$140/month | $1,020–$1,680 |
| First DUI, prior violations | $140–$220/month | $1,680–$2,640 |
| Multiple DUIs or suspensions | $220–$400+/month | $2,640–$4,800+ |
| No vehicle (non-owner policy) | $40–$80/month | $480–$960 |
Rates in Broward County vary by ZIP code, insurer, age, and full driving record. Get a quote from multiple FR44 carriers — rate differences of $1,000+/year between carriers are common for the same driver profile.
How to Get FR44 Insurance in Coconut Creek
- Step 1: Get a free FR44 quote — provide your FL license number, date of DUI conviction, and vehicle info
- Step 2: Pay your first premium — FR44 certificate filed electronically with DHSMV, usually same day
- Step 3: Pay DHSMV reinstatement fee ($150–$250) at flhsmv.gov or in person
- Step 4: Maintain uninterrupted coverage for 3 full years from reinstatement date
Carriers Writing FR44 in Broward County
FR44 policies in Coconut Creek are available from: Progressive, State Farm (select agents), Dairyland, National General, Bristol West, Mendota, and SafeAuto. Not every carrier writes FR44 for all driver profiles — specialty FR44 brokers access multiple carriers simultaneously for the best rate.
What Happens If Your FR44 Lapses in Coconut Creek
If your FR44 policy lapses — even for one day — your insurer notifies DHSMV electronically. DHSMV immediately suspends your license and resets the 3-year clock. You must: reinstate the policy, pay reinstatement fees again, and restart the 3-year compliance period. There is no grace period under Florida FR44 rules.
Frequently Asked Questions — FR44 Insurance in Coconut Creek
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