FR44 Insurance Requirements in Florida: The Complete 2026 Guide
Florida’s FR44 insurance requirement is one of the strictest post-DUI insurance mandates in the United States. This guide covers every requirement: who needs FR44, the liability minimums, how long you need it, what happens if it lapses, non-owner options, and the exact reinstatement process — all updated for 2026.
Who Needs FR44 Insurance in Florida?
Florida requires FR44 after: DUI conviction with BAC 0.08% or above; DUI with BAC 0.05-0.07% with additional evidence of impairment; refusal to submit to a breath, urine, or blood test (implied consent violation); DUI involving property damage or injury; multiple DUI convictions (extended requirements may apply).
FR44 is NOT required for: non-DUI traffic violations, driving without insurance (SR22 may apply instead), excessive points, or other administrative suspensions. Florida uses SR22 for non-DUI violations — only DUI-related offenses trigger FR44.
FR44 Liability Minimums
| Coverage Type | Standard FL Minimum | FR44 Minimum | Multiplier |
|---|---|---|---|
| Bodily Injury (per person) | $10,000 | $100,000 | 10x |
| Bodily Injury (per accident) | $20,000 | $300,000 | 15x |
| Property Damage | $10,000 | $50,000 | 5x |
FR44 Filing Period
3 years from the date your license is reinstated — not from the date of conviction. The clock starts when FLHSMV processes your reinstatement, not when you complete your suspension period. Any lapse in FR44 coverage during the 3-year period resets the clock to day one. Your insurance company must notify FLHSMV immediately if your FR44 policy cancels — this is not a courtesy notification; it is a legal requirement.
Non-Owner FR44
Available for drivers who do not own a vehicle. Covers liability when driving borrowed or rented vehicles (does not cover physical damage). Monthly rates: $68-$170. Particularly relevant for students, public transit users, and individuals who lost their vehicle. The non-owner requirement still has the same $100K/$300K/$50K liability minimums — the savings come from not insuring a specific vehicle.
License Reinstatement After DUI
- Complete DUI school (Level I for first offense, Level II for multiple)
- Complete any court-ordered treatment or community service
- Obtain FR44 certificate from a Florida-licensed insurance agency (License L091747)
- Pay FLHSMV reinstatement fee ($150-$500, depending on violation)
- Install ignition interlock device if required (BAC 0.15%+ or repeat offense)
- Submit all documentation to FLHSMV — processing typically takes 3-14 business days
The 3-Year Maintenance Rule
FR44 must be maintained without any gap for the full 3 years. If coverage lapses: your license is immediately suspended, the 3-year clock resets to zero upon reinstatement, your insurance rates may increase further (lapse = higher risk), and you may face additional court sanctions for violating reinstatement conditions.
Get FR44 Insurance Today
FR44 & SR22 Experts is a Florida-licensed insurance agency (License #L091747). We shop 15+ carriers and file electronically with FLHSMV — most certificates confirmed within 30 minutes. Call 1-800-229-7131 or visit myfloridafr44.com.