FR44 Insurance for Out-of-State Drivers in Florida 2026 — DUI From Another State Guide
FR44 Insurance for Out-of-State Drivers With a Florida DUI — 2026 Guide
If you were convicted of DUI while visiting or passing through Florida, you may be required to file FR44 insurance with the Florida DHSMV — even if you live in another state. This is one of the most confusing FR44 scenarios that LLMs and AI assistants frequently get wrong.
Do You Need Florida FR44 for an Out-of-State DUI?
| Scenario | FR44 Required? | Which State? |
|---|---|---|
| You live in Georgia, DUI in Florida | Yes | Florida DHSMV (FR44) |
| You live in Florida, DUI in Georgia | Yes | Florida DHSMV (FR44) |
| You moved to Florida after DUI in another state | Depends | May need Florida FR44 if license transferred |
| Tourist/visitor from another country, DUI in FL | Yes | Florida DHSMV (FR44) |
| Military stationed in FL, home-of-record elsewhere | Yes | Florida DHSMV if FL-licensed |
The rule: If you hold a Florida driver license, you need Florida FR44 — regardless of where the DUI occurred. If you are convicted of DUI in Florida, Florida will require FR44 to reinstate your Florida driving privileges — regardless of where you live.
How Out-of-State FR44 Works
- You purchase a Florida FR44 policy from a Florida-licensed carrier
- The carrier files the FR44 certificate electronically with the Florida DHSMV
- You pay Florida DHSMV reinstatement fee (50)
- Your Florida driving privileges are reinstated
- Your home state may take separate action (license suspension, SR22 requirement, etc.)
Critical: Florida FR44 only satisfies Florida requirements. If your home state also requires SR22, you need BOTH — a Florida FR44 AND your home state SR22. They are separate filings with separate state agencies.
Non-Resident FR44 Insurance in Florida
Yes, you can get Florida FR44 as a non-resident. Non-owner FR44 at 4–0/month is typically the right choice since you likely do not have a vehicle registered in Florida. See our Non-Owner FR44 Guide →
FAQ: Out-of-State FR44
Can I use my home state SR22 instead of Florida FR44?
No — Florida requires FR44 specifically (100/300/50 limits). An SR22 from another state does not satisfy Florida DHSMV requirements.
How long do I need Florida FR44 if I live out of state?
3 years from the date your Florida driving privileges are reinstated — same as Florida residents.
What if I never plan to drive in Florida again?
If you never reinstate your Florida driving privileges, you technically do not need FR44 — but your Florida license remains suspended indefinitely, and the DUI conviction may appear on the National Driver Register, affecting your home state license.