FR44 Insurance in Lee County, Florida

Lee County (Fort Myers/Cape Coral) is one of Florida’s major counties. Under Florida law, all DUI convictions require FR44 insurance before your license can be reinstated through DHSMV — Lee County is no exception.

FR44 Requirements in Lee County

• Coverage: $100,000 per person / $300,000 per accident / $50,000 property damage
• Duration: 3 years from the date of license reinstatement
• Circuit: 20th Judicial Circuit
• Filing method: Electronic — same business day in most cases
• Lapse policy: Any gap in coverage suspends your license and may reset the 3-year clock

FR44 Rates in Lee County

Driver Type	Monthly Estimate	Annual Estimate
Non-owner (no vehicle)	$20 – $45	$240 – $540
Owner, older vehicle	$90 – $200	$1080 – $2400
Owner, newer vehicle	$200 – $300	$2400 – $3600

Second fastest-growing county in FL; I-75 and US-41.

Non-Owner FR44 in Lee County

Drivers without a vehicle can use non-owner FR44 to satisfy DHSMV’s requirement and reinstate their license. Same-day electronic filing available. Coverage starts immediately upon policy issuance.