FR44 Insurance Nassau County / Fernandina Beach: DUI & Reinstatement Guide
Nassau County occupies the northeastern corner of Florida, bordering Georgia and the Atlantic Ocean. Anchored by Fernandina Beach and the historic Amelia Island resort community, Nassau County’s FR44 landscape reflects both its beach tourism market and its role as a bedroom community for the Jacksonville metro area. Here’s what Nassau County residents need to know about Florida FR44 requirements.
Jurisdiction: 4th Judicial Circuit
Nassau County falls under the 4th Judicial Circuit, which also covers Duval (Jacksonville) and Clay counties. DUI cases in Nassau County are prosecuted at the Nassau County Courthouse in Fernandina Beach. The 4th Circuit is one of Florida’s larger circuits—driven primarily by Jacksonville’s population—but Nassau County cases are handled separately at the Fernandina Beach courthouse.
FR44 Cost in Nassau County
| Driver Profile | Estimated Annual FR44 Premium |
|---|---|
| Fernandina Beach / Amelia Island, first DUI | $1,100 – $2,100/year |
| Yulee / Callahan area, first DUI | $1,000 – $1,900/year |
| Non-owner FR44 | $270 – $550/year |
| Second DUI within 5 years | $2,100 – $4,100/year |
Fernandina Beach and Amelia Island
Fernandina Beach is Nassau County’s largest city and the gateway to Amelia Island—a popular resort destination known for its Victorian historic district, beaches, and the Ritz-Carlton and Omni Amelia Island Resort properties. The tourism and resort economy generates significant DUI enforcement activity:
- Centre Street Historic District — Fernandina Beach’s primary bar/restaurant corridor; concentrated weekend enforcement
- A1A corridor — Amelia Island beachfront; resort area enforcement during peak season (spring break through Labor Day)
- Sadler Road and Atlantic Avenue — primary access routes between the mainland and Amelia Island; checkpoint-friendly corridors
- SR-200 (Buccaneer Trail) — connects Yulee/I-95 to Fernandina Beach; primary enforcement corridor for residents commuting from the mainland
Jacksonville Bedroom Community Dynamics
Yulee, Callahan, and Hilliard serve as suburban bedroom communities for Jacksonville workers. I-95 and US-1/US-17 corridors connecting Nassau County to Duval County see commuter-heavy traffic and enforcement. Nassau County’s relatively low density outside Fernandina Beach means most enforcement activity is concentrated on the limited major arterials.
Georgia Border Considerations
Nassau County borders Camden County, Georgia—with SR-40 (Yulee to Folkston) as the primary cross-border route. Drivers who receive a DUI in Nassau County but hold a Georgia license will face Driver License Compact reporting to the Georgia DDS, which applies its own administrative consequences. Similarly, Georgia residents who receive a Florida DUI in Nassau County must satisfy Florida’s FR44 requirement alongside any Georgia administrative action.
The FR44 Process After a Nassau County DUI
- DUI arrest → FLHSMV administrative suspension; 10-day temporary driving permit
- Request formal review hearing within 10 days if contesting the suspension
- Complete suspension period (6 months first DUI; 1 year if second within 5 years)
- Complete DUI school at a licensed Nassau County or Jacksonville-area provider
- Obtain FR44 insurance with 100/300/50 minimum limits
- Insurer files FR44 certificate electronically with FLHSMV
- Pay FLHSMV reinstatement fee; maintain FR44 for 3 years from reinstatement
Communities in Nassau County
- Fernandina Beach — county seat, largest city, Amelia Island gateway
- Amelia Island — resort/residential barrier island, A1A enforcement
- Yulee — largest unincorporated community, I-95/SR-200 corridor
- Callahan — US-1/US-301 junction, historic inland community
- Hilliard — rural northern Nassau, SR-2 corridor near Georgia line
- Bryceville, Nassauville — small unincorporated communities
Nassau County’s mix of Amelia Island resort traffic and Jacksonville commuter dynamics creates distinct enforcement patterns by corridor. The 10-day FLHSMV review window applies regardless of where in Nassau County the DUI occurred—prompt action preserves your reinstatement options.