FR44 Insurance for Motorcycles in Florida — Requirements, Costs & Filing 2026
FR44 Insurance for Motorcycles in Florida — Requirements, Costs & Filing 2026
Yes, you need FR44 insurance for your motorcycle if you were convicted of DUI in Florida — even if the DUI was in a car. The FR44 requirement attaches to you as a driver, not to a specific vehicle. If you own a motorcycle, your FR44 policy must cover that motorcycle at 100/300/50 liability limits. Motorcycle FR44 typically costs $50–$120/month — often cheaper than auto FR44 due to lower vehicle values.
Get motorcycle FR44 insurance quote → Same-day DHSMV filing.
Motorcycle FR44: What Florida Riders Need to Know
- FR44 follows the driver, not the vehicle: If you have a DUI conviction and own a motorcycle, you need FR44 on your motorcycle policy — even if the DUI was in your car. The FR44 requirement covers ALL vehicles you own or regularly operate.
- Same liability limits apply: Motorcycle FR44 requires the same 100/300/50 coverage as auto FR44. Your motorcycle policy must meet these limits.
- Motorcycle endorsement still required: Standard FR44 filing doesn’t satisfy Florida’s motorcycle endorsement requirement. If you lost your motorcycle endorsement due to the DUI suspension, you must separately reinstate it through DHSMV.
- Fewer carriers offer motorcycle FR44: Only about half of FR44 carriers also write motorcycle policies. Comparing carriers is even more important for riders.
Motorcycle FR44 vs Auto FR44: Key Differences
| Factor | Motorcycle FR44 | Auto FR44 |
|---|---|---|
| Monthly premium (first DUI) | $50 – $120 | $80 – $180 |
| Liability requirements | 100/300/50 (same) | 100/300/50 |
| Carriers available | ~8–10 | 15+ |
| Non-owner available? | Difficult (most carriers require vehicle) | Yes ($14–$60/mo) |
| Collision/comprehensive | Optional | Optional |
| Passenger liability | Included in 100/300 | Included in 100/300 |
Which Carriers Offer Motorcycle FR44 in Florida?
- Progressive — Most competitive motorcycle FR44 rates. Largest motorcycle insurer in the U.S.
- Dairyland — Specializes in motorcycle insurance, FR44-eligible
- Markel — Motorcycle specialist, accepts FR44 filings in FL
- GEICO — Motorcycle coverage available but does NOT file FR44 (must use subsidiary or separate carrier)
- Foremost — Motorcycle insurance available, FR44 varies by agent
Motorcycle FR44 FAQ
Do I need motorcycle FR44 if my DUI was in a car?
Yes. The FR44 requirement applies to you as a driver — all vehicles you own or operate must be covered by an FR44-compliant policy. If you own a motorcycle and a car, both need FR44 coverage at 100/300/50 limits.
Is motorcycle FR44 cheaper than car FR44?
Typically yes — 20–40% cheaper. Motorcycles have lower liability exposure (less damage to other vehicles/property in a crash) and lower vehicle values. A rider paying $150/month for auto FR44 might pay $80–$100/month for motorcycle FR44.
Can I have FR44 on both my car and motorcycle?
Yes. You can have one FR44 policy covering both vehicles (multi-vehicle policy) with the same carrier, or separate policies. Most carriers offer multi-vehicle discounts of 10–20%. The FR44 certificate itself only requires proof of 100/300/50 coverage — it doesn’t list specific vehicles.
Get your motorcycle FR44 quote → Same-day DHSMV filing. 50,000+ Florida drivers served. Veteran-owned.