Does Expungement End Your FR44 Insurance Requirement in Florida?

No. Expunging or sealing a DUI conviction record in Florida does not terminate your FR44 insurance requirement. FR44 is administered by the DHSMV under Florida Statute 324.023 as a financial responsibility requirement — it is separate from the criminal record. Even after a successful expungement, the DHSMV retains your FR44 requirement. You must fulfill the full 36-month FR44 compliance period regardless of your criminal record status.

Expungement vs Sealing: What Each Does

Action	Criminal Record	DHSMV FR44 Requirement	Insurance Rates
Expungement	Record destroyed or removed from public access	NOT affected — FR44 still required	No impact — insurers still see MVR
Sealing	Record hidden from most public searches	NOT affected — FR44 still required	No impact — insurers still see MVR

Why Expungement Does Not Affect FR44

FR44 is a civil administrative requirement — not a criminal penalty. It operates independently of the criminal justice system. FR44 is mandated by the DHSMV, not by the courts. Criminal expungement orders do not bind DHSMV administrative records. The DHSMV maintains a separate driving history database that is NOT part of the criminal record system. Even if all criminal records are destroyed, DHSMV retains your driving history including the DUI conviction and FR44 requirement.

What Expungement Actually Helps With

• Employment background checks: Most employers cannot see an expunged DUI
• Professional licensing: Some boards cannot consider expunged convictions
• Housing applications: Most landlords cannot see expunged records

For insurance and driving purposes, expungement provides no benefit. Insurance carriers pull your Motor Vehicle Record (MVR) — not your criminal record.

Can You Expunge a DUI in Florida?

• First-time DUI adjudicated guilty: CANNOT be expunged in Florida per Statute 943.0585
• DUI with adjudication withheld: May be eligible for sealing if all criteria met
• DUI reduced to reckless driving: The reckless conviction may be eligible for sealing after a waiting period

Timeline: FR44, Rates, and Criminal Record

Timeline	FR44 Status	Insurance Impact
Conviction	Required immediately	3-10x increase
Years 1-3	Active (36 months)	3-10x above standard
Year 3+ (FR44 ends)	File HSMV 83499 to terminate	2-4x above standard
Year 5+	None	Near-standard rates possible

FAQ

If I get my DUI expunged, do I still need FR44?

Yes. Expungement does not affect your DHSMV FR44 requirement. Full 36-month compliance remains.

Will expunging my DUI lower my insurance rates?

No. Carriers pull your MVR, not your criminal record. The DUI stays on DHSMV records regardless of expungement.

Can my insurance company see my DUI after expungement?

Yes. Insurance companies access your MVR through DHSMV. DUI convictions remain on MVR for 75 years in Florida.

I had adjudication withheld. Do I still need FR44?

Possibly yes. AWH may still trigger FR44 depending on court orders. Contact DHSMV or an attorney to confirm. MyFloridaFR44.com: (855) 678-6977.