If you need FR44 insurance in Florida, you already know your driving record carries a DUI conviction. But many people wonder: does FR44 insurance itself appear on your driving record? Does your insurance company report it to the DMV? Will employers or landlords see it?

Here is the direct answer, backed by how Florida’s DHSMV system actually works.

What FR44 Is — And What It Is Not

FR44 is a certificate of financial responsibility — not a type of insurance. Your auto insurance company files the FR44 form electronically with the Florida Department of Highway Safety and Motor Vehicles (DHSMV) to certify that you are carrying the required minimum liability coverage:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $50,000 property damage

These are 4–6× the state minimums for standard drivers.

Does FR44 Appear on Your Florida Driving Record?

Yes — but indirectly. Florida’s DHSMV tracks your FR44 filing status as part of your license/compliance record. Here’s what actually shows:

What Shows on DHSMV Record	Visible To
DUI conviction (the underlying offense)	DHSMV, employers (background check), insurers
FR44 compliance status (active/lapsed)	DHSMV, law enforcement during traffic stop
License reinstatement date	DHSMV, courts, employers
FR44 cancellation/lapse notice	DHSMV (triggers immediate suspension)

The FR44 certificate itself is a compliance marker, not a separate entry like a moving violation. Employers running a standard MVR (Motor Vehicle Report) will see your DUI conviction. The FR44 status may or may not appear depending on the depth of the MVR requested.

How Long Does FR44 Stay on Your Record?

The FR44 filing requirement runs for 3 years from the date your license is reinstated — not from your DUI conviction date. If your license was suspended for 18 months before reinstatement, the 3-year FR44 clock starts when you reinstate.

The DUI conviction itself stays on your Florida driving record for 75 years — effectively permanent.

FR44 and Your Insurance History

When insurers run a CLUE (Comprehensive Loss Underwriting Exchange) report or MVR, they see:

• Your DUI conviction (major violation, affects rates for 3-7 years depending on carrier)
• Any FR44 lapses (these trigger a new clock and show as compliance failures)
• Prior claims history

The FR44 requirement itself signals to any insurer pulling your record that you are in a high-risk compliance period. Never let your FR44 lapse — a single day of lapse is reported to DHSMV, your license is suspended again, and the 3-year clock may restart.

What Employers See

Standard employer MVR checks typically show:

• DUI conviction — yes, visible for 75 years on FL record
• License status — current, suspended, restricted
• FR44 status — some deep-pull MVRs include it; most standard employer checks do not specifically flag “FR44”

Commercial driving jobs (CDL holders) face additional federal scrutiny — a DUI typically disqualifies CDL holders from commercial driving for 1 year minimum, and FR44 status is irrelevant since they cannot hold a CDL with a DUI during that window.

How to Remove FR44 From Your Record

You cannot expunge an FR44 requirement while it is active. Once the 3-year period ends:

• Your insurer files an FR44 cancellation notice with DHSMV
• You can then purchase standard auto insurance at lower rates
• The DUI conviction remains on your driving record for 75 years regardless

Florida does not offer DUI expungement for first-offense convictions after a guilty plea or verdict. Adjudication withheld is available in limited circumstances but does not remove the incident from DHSMV records.

FR44 Coverage: What It Does for You While Active

While FR44 shows on your compliance record, it also provides meaningful coverage protection during an active period when risk is highest. The higher liability limits mean:

• You are protected against large civil judgments from accidents
• You meet DHSMV reinstatement requirements
• Carriers like Progressive, State Farm, and Dairyland compete for your business — rates vary 30-40% across carriers

Get a free FR44 quote from licensed Florida agents — compare 15+ carriers in 2 minutes.

Frequently Asked Questions