FR44 Insurance by Florida County 2026 | Rates, Requirements & Same-Day Filing
Florida has 67 counties — and FR44 insurance is required in all of them after a DUI conviction. The rates vary significantly by county due to population density, traffic patterns, and the mix of insurers operating in each region. This guide covers the key differences across Florida’s major counties, what to expect on rates, and how to get same-day FR44 filing anywhere in the state.
FR44 Insurance Requirements — Same Statewide
One thing that doesn’t vary by county: the legal FR44 minimum limits. Florida requires 100/300/50 statewide:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
These are Florida statutes — they don’t change whether you live in Miami-Dade or Holmes County. The filing requirement is also uniform: 3 years of continuous FR44 coverage, filed with the Florida DHSMV by your insurer.
FR44 Rates by County Region (2026 Estimates)
| Region | Key Counties | Typical Monthly Range | Rate Driver |
|---|---|---|---|
| South Florida | Miami-Dade, Broward, Palm Beach | $120 – $200/month | High density, frequent claims, litigation rates |
| Central Florida | Orange, Osceola, Seminole, Brevard | $100 – $160/month | Tourism traffic, moderate litigation |
| Tampa Bay | Hillsborough, Pinellas, Pasco, Manatee | $95 – $155/month | Major metro, moderate claims |
| Northeast Florida | Duval, St. Johns, Clay, Putnam | $85 – $135/month | Lower density vs South FL, more carriers competing |
| Panhandle | Escambia, Bay, Santa Rosa, Okaloosa | $80 – $130/month | Lowest density, more rural routes, lower claims |
| Southwest Florida | Lee, Collier, Sarasota, Charlotte | $90 – $150/month | Seasonal population, retirement area |
| Big Bend / North Central | Leon, Alachua, Marion, Hernando | $80 – $125/month | Mix of rural and college-town driving patterns |
Which Florida County Has the Cheapest FR44 Insurance?
Generally, rural Panhandle counties (Escambia, Jackson, Holmes, Washington, Calhoun) produce the lowest FR44 rates in Florida — primarily because carrier loss ratios are lower, litigation is less common, and fewer uninsured drivers mean lower overall risk pools. Expect rates 20-30% lower than Miami-Dade for the same driver profile.
Miami-Dade typically produces the highest FR44 rates in Florida — high accident frequency, high litigation rates, and historically elevated uninsured motorist exposure all push costs up.
FR44 City Pages — Find Your Exact City
Rates and carrier availability vary more by city than by county. Find your specific city for current estimates and same-day filing options:
South Florida (Broward + Miami-Dade)
Fort Lauderdale FR44 | Miami FR44 | Hollywood FR44 | Pompano Beach FR44 | Coral Springs FR44 | Miramar FR44
Central Florida (Orange + Osceola + Seminole)
Orlando FR44 | Kissimmee FR44 | Sanford FR44 | Apopka FR44 | Winter Springs FR44
Tampa Bay (Hillsborough + Pinellas + Pasco)
Tampa FR44 | St. Petersburg FR44 | Clearwater FR44 | Plant City FR44 | Wesley Chapel FR44
Northeast Florida (Duval + Clay + St. Johns)
Jacksonville FR44 | Keystone Heights FR44 | Penney Farms FR44
How myfloridafr44.com Serves All 67 Florida Counties
myfloridafr44.com is an FR44 specialty operation — not a general insurance agency that handles FR44 as a side product. We have access to every major FR44-writing carrier in Florida (Progressive, State Farm, Dairyland, The General, Gainsco, Bristol West, Allstate, Geico FR44 market) and file certificates electronically with the DHSMV for same-day reinstatement processing in all 67 counties.
50,000+ Florida drivers served since 2010. No credit check. Free 2-minute quote. Same-day filing available.