FR44 Insurance Oakland Park FL 2026 | Same-Day Filing | Free Quote
Need FR44 insurance in Oakland Park, Florida? You can get a quote and file your FR44 certificate with the Florida DHSMV the same day — no waiting, no DMV visit required. FR44 is Florida’s high-liability auto insurance filing required after a DUI conviction, with minimum limits of 100/300/50 (vs 10/20/10 for standard FL auto).
FR44 Insurance in Oakland Park, Broward County
Oakland Park drivers with a DUI on record must maintain an FR44 filing continuously for 3 years from their conviction date. Coverage cannot lapse — even one day without coverage means your license gets suspended again and the 3-year clock resets. Florida insurers file the FR44 certificate electronically with the DHSMV, typically within 24-48 hours.
FR44 Insurance Rates in Oakland Park (2026 Estimates)
| Driver Profile | Monthly Rate Estimate |
|---|---|
| Single DUI, clean driving otherwise, 35-50 age | 0 – 30/month |
| Single DUI + prior violations | 30 – 90/month |
| Multiple DUIs (within 5 years) | 00 – 50/month |
| Young driver (under 25) + DUI | 75 – 75/month |
Rates vary by carrier, vehicle, and driving history. Get a free quote at myfloridafr44.com to see your actual rate.
FR44 Carriers Serving Oakland Park
Progressive, State Farm, Bristol West — SR22 to FR44 upgrades processed same day. Not all carriers offer FR44 — you need a specialist, not a standard insurance agent who does two FR44 policies a year.
How to Get FR44 in Oakland Park — Step by Step
- Get a quote — Use myfloridafr44.com or call. Provide your DUI date, conviction date, and current license status.
- Choose your policy — Select minimum FR44 limits or higher if you own assets. 100/300/50 is the legal minimum.
- Pay your first premium — Coverage starts immediately upon payment.
- FR44 filed electronically — Your insurer files the FR44-S form with the Florida DHSMV electronically, typically same day.
- License reinstated — Once DHSMV confirms the filing, you can reinstate your license at a Florida DMV office (bring the reinstatement letter).
FR44 vs SR22 in Florida
Florida has both SR22 and FR44 filings. SR22 is for non-DUI violations (uninsured accidents, excessive points). FR44 is specifically for DUI convictions and requires double the liability limits of SR22. If you’ve been told you need an FR44 — not SR22 — your conviction was DUI-related.