FR44 Insurance in Monroe County, Florida (Florida Keys)

Monroe County is Florida’s southernmost county — the Florida Keys, stretching from Key Largo to Key West. A DUI in Monroe County carries the same FR44 requirement as any Florida county, but the enforcement context is unique: there is only one road in and out of the Keys (US-1 Overseas Highway), and DUI checkpoints and enforcement are common along the 127-mile corridor.

FR44 Requirements

• Coverage: $100,000/$300,000/$50,000
• Duration: 3 years from reinstatement
• Circuit: 16th Judicial Circuit (Monroe County only — its own circuit)

Monroe County FR44 Rates

Driver Type	Monthly
Non-owner	$20 – $45
Owner, older vehicle	$92 – $200

Florida Keys — unique geography; DUI on Overseas Highway = serious enforcement; tourist population.

Non-owner FR44 is available for drivers without a vehicle — including seasonal residents and tourists who live in the Keys without a car.