FR44 Insurance Pembroke Pines FL 2026 | $14/Mo+ | Fast Filing
If you received a DUI or DWI conviction in Pembroke Pines, Florida, the Florida DHSMV requires you to carry FR44 insurance before your license can be reinstated. This page covers exactly what FR44 costs in Pembroke Pines, how fast you can get filed, and what Broward County drivers need to know about compliance.
What Is FR44 Insurance in Pembroke Pines?
FR44 is a certificate of financial responsibility — not an insurance product itself, but a filing your insurer submits electronically to the Florida DHSMV confirming you carry the required minimum coverage:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
These limits are double Florida’s standard minimums and are mandated by Florida Statute §324.023 for anyone convicted of DUI or DWI. Pembroke Pines drivers must maintain FR44 continuously for 3 years from the date of license reinstatement. Any lapse resets the clock and triggers immediate DHSMV notification.
FR44 Insurance Rates in Pembroke Pines, FL (2026)
Rates for Pembroke Pines residents depend on your driving record, vehicle, and the carrier selected. Based on our Broward County client data:
| Driver Profile | Monthly Range |
|---|---|
| First DUI, clean prior record | $14 – $38/mo |
| First DUI, minor prior violations | $35 – $75/mo |
| Multiple DUIs or serious violations | $75 – $150+/mo |
We compare 15+ carriers including Progressive, Dairyland, Bristol West, National General, and Gainsco to find the best rate for your exact profile in Broward County.
How to Get FR44 in Pembroke Pines — Step by Step
Getting FR44 filed is fast when you work with specialists:
- Step 1: Get your free 2-minute quote online or by phone
- Step 2: Choose your policy from 15+ carriers — we show you the best rate
- Step 3: Payment processed — first month plus any applicable fees
- Step 4: FR44 filed electronically to the Florida DHSMV — same day
- Step 5: DHSMV processes reinstatement — typically 1–2 business days
We have been filing FR44 certificates for Pembroke Pines and Broward County drivers since 2010. Electronic filing goes directly to DHSMV — no paper, no delay, no trips to any office.
Do I Need SR22 or FR44 in Pembroke Pines?
Florida does not use SR22 for DUI convictions. If you were convicted of DUI in Florida, you need FR44, not SR22. SR22 in Florida applies only to uninsured drivers and certain non-DUI violations. If you moved to Pembroke Pines from another state and still owe an SR22 to your home state, we can handle that filing too.
FR44 FAQ — Pembroke Pines, Florida
Florida requires FR44 for 3 years from the date of license reinstatement after a DUI conviction. Any lapse in coverage triggers immediate DHSMV notification and may restart your compliance period.
Yes. We file FR44 certificates electronically to the Florida DHSMV the same business day your policy is issued. Most Pembroke Pines clients are filed within 2 to 4 hours of payment.
Rates in Broward County start around $14 per month for first-time DUI offenders with a clean prior record. The exact rate depends on your driving history, vehicle, and the carrier. We compare 15+ carriers to find your lowest available rate.
If your FR44 lapses, your insurer notifies the DHSMV automatically and your license is immediately suspended. You must reinstate the FR44 policy and pay a reinstatement fee before you can drive legally again.
Get Your FR44 Quote Now — Pembroke Pines, FL
Ready to get your license back? Start your free FR44 quote — takes 2 minutes, no credit check required, same-day DHSMV filing. We have served 50,000+ Florida drivers since 2010.