FR44 Insurance Kissimmee Florida 2026 — Rates & Same-Day DHSMV Filing
FR44 Insurance in Kissimmee, Florida — 2026 Guide
If you need FR44 insurance in Kissimmee, Florida after a DUI conviction, MyFloridaFR44.com provides same-day DHSMV electronic filing with rates starting at $14/month. We serve Kissimmee and all surrounding areas with 15+ Florida-licensed FR44 carriers.
What Is FR44 Insurance?
FR44 is a Florida-specific insurance certificate required after certain DUI and alcohol-related driving offenses. Unlike standard auto insurance, FR44 requires elevated liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 per accident, $50,000 property damage) — ten times Florida minimum coverage. The requirement lasts 36 consecutive months from your conviction date.
Why Kissimmee Drivers Choose MyFloridaFR44.com
- Same-day DHSMV e-filing: FR44 certificate filed electronically within hours
- 15+ carriers: We shop your profile across multiple Florida-licensed FR44 carriers
- Rates from $14/month: For qualified drivers with non-owner FR44 policies
- No credit check: FR44 eligibility based on driving record, not credit score
- Kissimmee local service: We work with carriers specifically serving the Kissimmee area
FR44 Requirements for Kissimmee Drivers
| Requirement | Details |
|---|---|
| Liability Coverage | $100,000/$300,000/$50,000 (10x/20x/10x state minimum) |
| Duration | 36 consecutive months from conviction date |
| Filing Method | Electronic (Form HSMV 83499) filed by insurer |
| DHSMV Fee | $150 reinstatement fee (if license was suspended) |
Types of FR44 Policies in Kissimmee
Owner FR44 Insurance
For drivers who own a vehicle registered in Florida. Covers your vehicle with required 100/300/50 liability limits.
Non-Owner FR44 Insurance
For drivers without a vehicle who need FR44 to reinstate their license. Most affordable option — starting at $14/month for qualified drivers in Kissimmee.
Motorcycle FR44 Insurance
For motorcycle owners in Kissimmee needing FR44 after a DUI on a motorcycle.
Kissimmee FR44 Insurance Rates
Estimated 2026 rate ranges for Kissimmee drivers:
- First DUI, no accident: $800-$2,500/year owner; $168-$500/year non-owner
- First DUI with accident: $1,500-$4,000/year owner
- Second DUI: $2,500-$6,000+/year owner
MyFloridaFR44.com shops 15+ carriers to find the lowest available rate.
How to Get FR44 Insurance in Kissimmee
- Free quote: Call (855) 678-6977 or visit MyFloridaFR44.com
- Choose your policy: We present the lowest rates from 15+ carriers
- Same-day binding: Coverage effective immediately
- Electronic filing: Form HSMV 83499 submitted to DHSMV within hours
- License reinstated: Once FR44 is on file and fee is paid
FAQ
How long does FR44 last in Kissimmee?
36 consecutive months from conviction date. Lapses pause the clock.
Can I get FR44 with a suspended license?
Yes. FR44 coverage is required for license reinstatement.
Does moving from Kissimmee change my FR44?
Your FR44 follows your Florida license. Update your address with DHSMV and your carrier.