If you need FR44 insurance in Lakeland, Florida, you are in the right place. Lakeland is in Polk County. State law requires FR44 after a DUI conviction — 100/300/50 liability limits, filed electronically with DHSMV before your license is reinstated.

FR44 Insurance Requirements in Lakeland

• Who needs it: Drivers convicted of DUI or DWI in Florida
• Coverage required: $100,000/$300,000 bodily injury + $50,000 property damage
• How long: 3 years from license reinstatement date
• Filing: Your insurer files electronically with Florida DHSMV — same day in most cases
• If it lapses: DHSMV is notified immediately, license is suspended again

How to Get FR44 in Lakeland

Licensed Florida agents can quote and bind FR44 for Polk County residents. Because FR44 is a Florida-specific filing, not all national carriers offer it. Carriers active in the Lakeland / Polk County market include Progressive, State Farm, Dairyland, The General, and Bristol West.

Rates vary 30-40% across carriers for the same driver profile. Getting quotes from multiple carriers is the fastest way to find the lowest legal FR44 rate. Get a free FR44 quote here — 2 minutes, no credit check.