FR44 Insurance DeLand Florida 2026 — Volusia County Rates & Requirements
DeLand is the county seat of Volusia County and home to Stetson University. If you’ve received a DUI conviction and need FR44 insurance to reinstate your Florida driver’s license, here’s what DeLand and Volusia County drivers need to know to get compliant fast.
Florida FR44 Coverage Requirements
Florida’s FR44 requirement applies after any DUI conviction — first offense or subsequent. The required minimum limits are significantly higher than standard Florida auto insurance:
- Bodily injury liability: $100,000 / $300,000 (vs. $10,000 / $20,000 for standard FL coverage)
- Property damage liability: $50,000 (vs. $10,000 standard)
- Filing method: Electronic — your insurance company files directly with DHSMV
- Required period: 3 continuous years from reinstatement date
FR44 Rates for DeLand and Volusia County
Volusia County insurance rates fall in the mid-range for Florida — lower than the South Florida coastal counties, somewhat higher than the rural panhandle. DeLand’s inland location (no coastal premium) helps moderate rates.
- Standard profile (first DUI): $175-$285/month
- Higher-risk profile: $310-$480/month
- Non-owner FR44: $115-$190/month
Volusia County DHSMV — DeLand Location
- DeLand DHSMV: 1340 E International Speedway Blvd, DeLand, FL 32724
- Phone: (386) 943-5010
- Hours: Monday-Friday 8:00 AM – 4:30 PM
You’ll visit DHSMV to pay the $75 reinstatement fee. Your FR44 insurer handles the electronic filing — there’s no paper certificate to bring.
FAQ for DeLand FR44 Drivers
I got my DUI in Daytona Beach but live in DeLand — which county governs my FR44?
FR44 is a statewide Florida requirement. Your county of residence doesn’t affect the requirement or the filing process. DHSMV holds your license record centrally — where you got the DUI and where you live are separate questions. Your FR44 policy can be issued by any admitted Florida carrier regardless of county.
Does Stetson University’s campus location affect my insurance rates?
Being a college student doesn’t specifically affect FR44 rates, but age does. Drivers under 25 pay higher rates due to actuarial risk factors. If you’re a student without a vehicle, a non-owner FR44 policy is the most cost-effective path to license reinstatement.