FR44 Insurance in Gulf County, Florida

Gulf County (Port St. Joe/Wewahitchka) is a small rural county in the Florida Panhandle. A DUI conviction here, as anywhere in Florida, requires FR44 insurance before your license can be reinstated.

FR44 Requirements

• Coverage: $100,000/$300,000/$50,000
• Duration: 3 years from reinstatement
• Circuit: 14th Judicial Circuit
• No lapse: Any gap resets the clock

Rates in Gulf County

Type	Monthly	Annual
Non-owner	$16 – $36	$192 – $432
Owner (older vehicle)	$76 – $165	$912 – $1980

Small Panhandle coastal county; Route 98 enforcement. Rural classification = lower base rates than metro Florida markets. Non-owner FR44 allows license reinstatement without owning a vehicle.