FR44 Insurance for Out-of-State License Transfer Florida 2026
Moving to Florida With a DUI From Another State
If you are moving to Florida with a DUI conviction from another state, you need to understand how FR44 insurance requirements apply. Florida does not require FR44 for out-of-state DUIs, but your DUI can still affect your Florida insurance rates and driving record.
Does Florida Require FR44 for Out-of-State DUIs?
No. Florida only imposes FR44 requirements for DUI convictions that occur in Florida. If you were convicted of DUI in Georgia, Alabama, Texas, or any other state, Florida will not require FR44 when you transfer your license.
When an Out-of-State DUI Triggers Florida FR44
FR44 is only triggered if you are convicted of DUI in Florida. However: if you get a DUI in Florida AFTER moving here, that triggers FR44 and your out-of-state prior counts as a prior offense. If your out-of-state DUI involved a Florida license, Florida may have jurisdiction. If your home state has its own high-risk insurance requirements (Virginia FR44, SR22), those may follow you.
What Florida Insurance Companies See
Florida carriers pull your MVR and CLUE report. Your out-of-state DUI appears on the National Driver Register (NDR), CLUE report, and prior state MVR. Even without FR44, Florida insurers WILL see it and adjust rates accordingly — expect premiums 50-200% higher.
Standard vs Non-Standard Insurance for Out-of-State DUI
| Carrier Type | Accepts You? | Typical Premium |
|---|---|---|
| Standard (State Farm, Geico, Progressive) | Maybe | $1,200-$3,000/year |
| Non-Standard/High-Risk | Yes | $1,500-$4,000/year |
| FR44 Specialist (MyFloridaFR44.com) | Yes | $800-$2,500/year |
Even without FR44 filing, FR44 specialist carriers understand DUI risk and often provide better rates than standard carriers.
Step-by-Step: Transfer License + Get Insurance
- Resolve home state issues: Pay fines, complete requirements. Florida will not issue a license if your home state shows a suspension.
- Gather documents: Out-of-state license, ID, SSN, two proof-of-residency documents.
- Get Florida insurance FIRST: Bind a Florida auto policy before visiting DHSMV.
- Visit DHSMV: Apply for Florida license transfer. $48 fee. Pass vision test.
- Register your vehicle within 30 days. Requires Florida insurance proof.
FAQ
Will my out-of-state DUI show up when I apply for a Florida license?
Yes. Florida DHSMV checks the National Driver Register.
Do I need FR44 if I had SR22 in my previous state?
No. Florida does not convert SR22 to FR44. Ensure your SR22 obligation is fulfilled.
How long does an out-of-state DUI affect Florida insurance rates?
Usually 3-5 years from conviction date.
What if I already moved and got insurance without disclosing my DUI?
Risky. Insurers pull MVR at renewal and may cancel or deny claims. Always disclose prior DUIs.