FR44 Insurance Palm Coast Florida 2026 — Flagler County Rates & Filing
Palm Coast is Flagler County’s largest city and one of Florida’s fastest-growing communities. If you received a DUI conviction in Florida or another state and need to reinstate your Flagler County driver’s license, you’ll need FR44 insurance with the state-required minimum limits. Here’s everything Palm Coast drivers need to know.
FR44 Insurance Requirements for Palm Coast Drivers
Florida’s FR44 requirement applies statewide — Flagler County drivers face the same rules as Miami or Tampa. After a DUI conviction, DHSMV requires proof of FR44 insurance as a condition of license reinstatement.
- Bodily injury liability: $100,000 per person / $300,000 per occurrence
- Property damage liability: $50,000 per occurrence
- Filing requirement: Insurance company files the FR44 certificate directly with DHSMV
- Duration: 3 years of continuous coverage from license reinstatement date
FR44 Rates in Palm Coast
Palm Coast sits in Flagler County, which has moderate insurance rates compared to Miami-Dade or Broward. Flagler County’s lower population density and traffic congestion typically result in lower base premiums than South Florida counties.
Typical FR44 rate ranges for Palm Coast area drivers:
- Standard profile (first DUI, good prior record): $180-$280/month
- Higher-risk profile (multiple violations, younger driver): $320-$480/month
- Non-owner FR44 (no vehicle): $120-$200/month
These are estimates — your actual rate depends on driving history, age, vehicle, and the specific carrier. Comparing at least 3-5 quotes across different FR44 providers is the most reliable way to find the best rate.
Where Palm Coast Drivers Get FR44 Insurance
FR44 insurance in Flagler County is primarily available through:
- Online FR44 specialists — fastest comparison shopping, often better rates than local agents
- Independent insurance agents in Palm Coast with access to non-standard carriers
- Direct carrier websites — SR22/FR44-focused companies like Progressive, Dairyland, Bristol West
myfloridafr44.com compares rates from 15+ FR44 carriers for Flagler County. Free quotes, same-day filing with DHSMV.
Palm Coast DHSMV Information
For license reinstatement questions and in-person DHSMV services, Palm Coast drivers use the Flagler County Tax Collector (authorized DHSMV agent):
- Flagler County Tax Collector: 1769 E Moody Blvd, Bunnell, FL 32110
- Phone: (386) 313-4170
- Hours: Monday-Friday, 8:30 AM – 4:30 PM
FR44 filing itself is handled electronically by your insurance company — you don’t need to visit DHSMV to file. You do need to visit to pay the $75 reinstatement fee and complete any other reinstatement requirements.
Frequently Asked Questions
Do I need FR44 insurance if I’m not driving?
Yes. Florida’s FR44 requirement is a condition of license reinstatement — not of vehicle ownership. If you want to reinstate your Florida driver’s license, you need FR44 coverage regardless of whether you own a car. Non-owner FR44 policies are available and typically cost less than vehicle-owner policies.
Can I get FR44 insurance the same day in Palm Coast?
Yes. FR44 policies bind immediately online, and the electronic filing with DHSMV typically processes within hours. Most Palm Coast drivers can get their FR44 certificate filed same-day when applying through an online FR44 specialist.