FR44 Insurance Cost by Florida City: What Drivers Actually Pay
FR44 insurance cost in Florida varies by city, county, and individual driving record. Below are realistic rate ranges for the 100/300/50 coverage Florida requires for DUI convictions — broken down by major metro area so you know what to expect before you call.
These are annual policy estimates for a single driver with one DUI conviction, no additional major violations, and a vehicle with standard coverage. Actual rates depend on your age, vehicle, credit score (in most states), and insurer selection.
FR44 Annual Cost by Florida City
| City / Area | County | Owner FR44 (Annual) | Non-Owner FR44 (Annual) |
|---|---|---|---|
| Miami | Miami-Dade | ,400-,200 | 00-,200 |
| Orlando | Orange | ,600-,800 | 80-40 |
| Tampa | Hillsborough | ,800-,100 | 40-30 |
| Jacksonville | Duval | ,400-,400 | 20-20 |
| Fort Lauderdale | Broward | ,000-,400 | 00-,020 |
| St. Petersburg | Pinellas | ,700-,900 | 10-70 |
| Hialeah | Miami-Dade | ,200-,800 | 60-,140 |
| Tallahassee | Leon | ,200-,100 | 60-30 |
| Cape Coral | Lee | ,300-,200 | 90-60 |
| Fort Myers | Lee | ,300-,200 | 90-60 |
| Gainesville | Alachua | ,100-,900 | 30-70 |
| Pensacola | Escambia | ,100-,900 | 30-70 |
| Daytona Beach | Volusia | ,300-,200 | 90-60 |
| Palm Beach | Palm Beach | ,600-,700 | 80-10 |
| Sarasota | Sarasota | ,200-,100 | 60-30 |
Why Miami and South Florida FR44 Costs More
South Florida — Miami-Dade, Broward, Palm Beach — consistently has the highest auto insurance rates in Florida. Factors include higher accident frequency, higher litigation rates, higher vehicle theft, larger uninsured motorist population, and higher cost of medical care. FR44 amplifies these base rates because the required liability limits (100/300/50) are already high — insurer risk exposure is larger in high-claim environments.
Why Non-Owner FR44 Is Significantly Cheaper
A non-owner FR44 policy provides liability-only coverage when you drive borrowed or rented vehicles. There is no vehicle to insure — no comprehensive, collision, or PIP premium. For a driver who doesn’t own a car (uses transit, rideshare, or borrows vehicles occasionally), non-owner FR44 is the most cost-effective way to satisfy the Florida requirement and reinstate your license.
How to Get the Lowest FR44 Rate in Florida
- Get multiple quotes: Non-standard insurers vary significantly. The difference between the cheapest and most expensive quote for the same driver can be 40-60%.
- Pay annually: Monthly payment plans include finance charges. Paying annually typically saves 10-15%.
- Minimum required coverage: 100/300/50 is the floor — you are not required to carry more.
- Higher deductible: For collision/comprehensive on an older vehicle, a ,000-,500 deductible reduces premium significantly.
- Maintain continuous coverage: Any lapse resets your risk profile and restarts FR44 clock — the most expensive mistake you can make.
Get Your FR44 Filed Today
We specialize in Florida FR44 filings across all 67 counties. Same-day electronic filing with FLHSMV. Call (407) 506-4611 or fill out our form — we’ll find you the lowest rate available in your city.