If you need FR44 insurance in New Smyrna Beach, Florida, you’re in the right place. FR44 is a high-risk auto insurance certificate required by the Florida DHSMV after a DUI conviction. It mandates higher minimum liability limits (100/300/50) and must remain in force for 3 years from license reinstatement.

FR44 Requirements in New Smyrna Beach, FL

Requirement	Details
Coverage type	FR44 certificate (not SR22)
Minimum limits	$100,000/$300,000 bodily injury, $50,000 property damage
Duration	3 years from license reinstatement date
Filing method	Electronic filing with Florida DHSMV
ZIP code	32168
County	Volusia County

How Much Does FR44 Cost in New Smyrna Beach?

Driver Profile	Estimated Annual Cost
Clean record, single DUI (older than 3 years)	$900-$1,400/year
Recent DUI (within 2 years)	$1,400-$2,000/year
Multiple violations or accidents	$1,800-$2,800/year
Non-owner FR44 (no vehicle)	$400-$900/year

How to Get FR44 in New Smyrna Beach

Step 1: Gather your documents — driver’s license number, court paperwork, vehicle VIN. Step 2: Get an FR44 quote from an authorized Florida carrier. Step 3: Pay your first premium. Step 4: Your insurer electronically files the FR44 certificate with DHSMV within 24-48 hours. Step 5: Maintain continuous coverage for 3 full years — any lapse resets the clock.

FR44 vs SR22 in Florida

Florida requires FR44 specifically for DUI convictions. SR22 covers other violations (uninsured driving, suspended license, reckless driving). FR44 has higher minimum limits and is more expensive. If your suspension was DUI-related, you need FR44, not SR22.

Nearby Areas We Serve

We file FR44 certificates for drivers throughout Volusia County and neighboring areas including Edgewater, Port Orange, Daytona Beach, DeLand. Florida DHSMV filings are electronic — no need to visit a local office.

How do I get FR44 in New Smyrna Beach?

Contact an FR44-authorized Florida insurer, provide your license and DUI case info, purchase the policy, and your insurer files the FR44 certificate electronically with DHSMV within 24-48 hours.

How much is FR44 in New Smyrna Beach, Florida?

FR44 in New Smyrna Beach typically costs $900-$2,400 per year. Non-owner FR44 runs $400-$900/year. Rates vary by driving record, age, and carrier.

How long do I need FR44 in Florida?

3 years from your license reinstatement date. Any lapse resets the clock. Continuous coverage is required for the full 3-year period.

What coverage does FR44 require?

$100,000/$300,000 bodily injury and $50,000 property damage — 10x Florida’s standard auto insurance minimums.