FR44 Insurance After a Motorcycle DUI in Florida

A DUI on a motorcycle in Florida triggers the same FR44 insurance requirement as a DUI in any motor vehicle — 100/300/50 liability coverage for 36 consecutive months. However, motorcycle FR44 has unique considerations for coverage, availability, and cost that differ from standard auto FR44.

Is Motorcycle FR44 Different From Auto FR44?

No — the REQUIREMENT is the same (100/300/50 liability for 36 months), but the POLICY is different. Motorcycle insurance is a separate line of coverage from auto insurance. Your motorcycle FR44 policy covers your motorcycle. Your auto FR44 policy covers your cars/trucks. If you own both a motorcycle and a car, you may need separate FR44 policies for each vehicle type, or a single policy that covers both.

Motorcycle FR44: Owner vs Non-Owner

Policy Type	Annual Cost (First DUI)	Coverage
Owner Motorcycle FR44	$500-$1,500	Your registered motorcycle, 100/300/50 liability
Non-Owner FR44	$168-$500	Borrowed motorcycles, liability only

Motorcycle FR44 is often cheaper than auto FR44 because motorcycle annual miles are lower and liability claims on motorcycles are typically less severe. However, the DUI surcharge percentage is the same regardless of vehicle type.

Which Carriers Offer Motorcycle FR44?

Not all FR44 carriers offer motorcycle policies. Standard auto FR44 carriers (like Dairyland, Direct Auto) typically do offer motorcycle FR44. Specialty motorcycle insurers may not. MyFloridaFR44.com works with carriers that specifically offer motorcycle FR44 — call (855) 678-6977 to verify availability for your motorcycle type.

Does a Motorcycle DUI Affect Your Auto Insurance?

Yes. The DUI conviction goes on your Florida Motor Vehicle Record (MVR) regardless of which vehicle type you were operating. When you renew or shop for auto insurance, the DUI will appear on your MVR and affect your auto rates — even though the DUI occurred on a motorcycle. Both your motorcycle and auto insurance rates will increase.

Motorcycle FR44 and Helmet Laws

Florida motorcycle helmet law (Florida Statute 316.211) does not directly affect FR44 requirements. However, if your motorcycle DUI involved riding without a helmet or other traffic violations, these additional charges may complicate your insurance application. Some carriers ask about all charges associated with the incident — not just the DUI — in their underwriting questionnaire.

FAQ

Do I need FR44 for a motorcycle DUI in Florida?

Yes. Florida Statute 324.023 applies to DUI in any motor vehicle, including motorcycles, mopeds, and scooters.

If I sell my motorcycle, can I switch to non-owner FR44?

Yes. If you no longer own any vehicle (motorcycle or car), you can switch to non-owner FR44, which is cheaper.

Does a motorcycle DUI affect my CDL?

Yes. DUI in any vehicle — including a motorcycle — triggers CDL disqualification (1 year for first offense).

How long does a motorcycle DUI stay on my record?

75 years on your Florida MVR. Insurance carriers typically look at the past 3-5 years when setting rates.