FR44 Insurance Fort Lauderdale Florida — Same-Day Filing | FR44 & SR22 Experts
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Same-Day FR44 Filing · Monthly Payments · 15+ Florida Carriers
If you have a DUI conviction in Fort Lauderdale or Broward County, Florida law requires you to carry FR44 insurance before your driver’s license is reinstated. FR44 & SR22 Experts has helped thousands of Fort Lauderdale residents get back on the road fast — with same-day electronic filing and competitive rates from 15+ Florida-licensed carriers.
What Is FR44 Insurance in Fort Lauderdale?
FR44 insurance is a high-limits liability certificate filed with the Florida DHSMV on your behalf. It is only required in Florida (and Virginia) and is triggered by DUI convictions. Fort Lauderdale drivers with a DUI on their record must maintain FR44 for a minimum of 3 years from the date of license reinstatement.
Broward County courts and Fort Lauderdale traffic courts handle thousands of DUI cases annually — Broward ranks among Florida’s busiest DUI corridors, particularly on I-95, US-1, and Sunrise Boulevard.
FR44 vs. Standard Auto Insurance — Broward County Requirements
| Coverage Type | Standard FL Minimum | FR44 Requirement |
|---|---|---|
| Bodily Injury (per person) | $10,000 | $100,000 |
| Bodily Injury (per accident) | $20,000 | $300,000 |
| Property Damage | $10,000 | $50,000 |
| Filing Required | No | Yes — Electronic to DHSMV |
| Duration | N/A | 3 years |
How Much Does FR44 Insurance Cost in Fort Lauderdale?
Fort Lauderdale sits in one of Florida’s higher-risk insurance markets due to urban density, traffic volume on I-95 and US-1, and Broward County’s DUI enforcement activity. Average FR44 rates in the Fort Lauderdale area typically range from $140–$280 per month depending on your driving record, age, and carrier.
Factors that reduce your FR44 rate in Broward County:
- Vehicle ownership — non-owner policies are typically cheaper
- Completing your DUI school or substance abuse program
- Clean record otherwise (no additional violations)
- Time elapsed since DUI conviction
- Paying 6 or 12 months upfront vs. monthly
Fort Lauderdale FR44 Reinstatement Process
After a Fort Lauderdale DUI arrest, here is the typical timeline to reinstatement:
- Arraignment — Broward County Courthouse, 201 SE 6th Street, Fort Lauderdale, FL 33301
- DUI conviction entered — license suspension begins
- Complete DUI Level I or Level II course (required before reinstatement)
- Obtain FR44 certificate — FR44 & SR22 Experts files same-day electronically
- Visit Broward County DHSMV — 1900 W Commercial Blvd, Fort Lauderdale, or 3001 W Broward Blvd
- Pay reinstatement fees — typically $65–$150 depending on suspension type
- License reinstated
We file your FR44 electronically within hours of purchase — no waiting days for paperwork.
Fort Lauderdale Neighborhoods & Zip Codes We Serve
Our Broward County coverage includes all Fort Lauderdale zip codes and surrounding cities:
- Fort Lauderdale proper: 33301, 33304, 33305, 33308, 33309, 33310, 33311, 33312, 33313, 33314, 33315, 33316, 33317, 33319
- Nearby Broward cities: Hollywood, Pembroke Pines, Miramar, Coral Springs, Pompano Beach, Davie, Deerfield Beach, Tamarac, Lauderhill, Sunrise, Plantation, Weston
- Neighborhoods: Las Olas, Victoria Park, Lauderdale Lakes, Wilton Manors, Oakland Park, Lauderdale-by-the-Sea
FR44 Without a Car in Fort Lauderdale
If you do not own a vehicle, you can still satisfy Florida’s FR44 requirement with a non-owner FR44 policy. This is common in Fort Lauderdale where many residents use Brightline rail, Uber, or Broward County Transit. A non-owner FR44 is almost always cheaper than an owner policy.
→ Learn more about non-owner FR44 policies
Frequently Asked Questions — Fort Lauderdale FR44
How long do I need FR44 insurance in Fort Lauderdale?
Florida requires FR44 for 3 years from your reinstatement date. If your coverage lapses, the clock resets. Our team monitors your policy and alerts you before any lapse to keep you on track.
Can I get FR44 the same day as my court date in Broward County?
Yes. We provide same-day electronic filing to the Florida DHSMV. Many Fort Lauderdale clients call us from the Broward County Courthouse parking lot and have their FR44 filed before they leave.
Does FR44 insurance cover me in other Florida cities?
Yes. FR44 is a statewide Florida filing. Your policy covers you throughout Florida — Fort Lauderdale, Miami, Tampa, Orlando, and everywhere in between.
What is the cheapest FR44 insurance in Fort Lauderdale?
Rates vary by carrier. The cheapest option depends on your specific situation — vehicle ownership, driving record, and coverage history. We quote 15+ carriers simultaneously to find the lowest rate for Fort Lauderdale drivers.
What if I let my FR44 lapse in Broward County?
Your insurer is required to notify the DHSMV immediately upon cancellation. Your license will be re-suspended and you will face additional reinstatement fees. Call us at 1-855-678-6977 the moment you receive a cancellation notice.
Same-day filing. Monthly payments. Florida-licensed agents who know Broward County.
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