FR44 Insurance After a Second DUI in Florida 2026 — Requirements, Penalties & How to Get Covered
FR44 Insurance After a Second DUI in Florida — 2026 Guide
A second DUI in Florida triggers significantly harsher FR44 insurance requirements, longer license suspensions, and much higher premiums compared to a first offense. This guide explains exactly what changes, what it costs, and how to get covered quickly.
First vs Second DUI in Florida — FR44 Comparison
| Requirement | First DUI | Second DUI |
|---|---|---|
| FR44 Duration | 3 years | 3 years (starts after reinstatement) |
| License Suspension | 6–12 months | 5 years minimum (if within 5 years of first) or 6–12 months (if outside 5 years) |
| Ignition Interlock (IID) | 6 months (may be required) | 1–2 years mandatory |
| Jail Time | Up to 6 months (8 hours min) | Up to 9 months (10 days mandatory if within 5 years) |
| Fine Range | $500–$1,000 | $1,000–$2,000 |
| DUI School | Level I (12 hours) | Level II (21 hours) |
| FR44 Monthly Cost | $30–$80 (owner) | $80–$130+ (owner) |
| Annual FR44 Premium | $360–$960 | $960–$1,560+ |
Second DUI Within 5 Years — Mandatory 5-Year Revocation
If your second DUI occurs within 5 years of your first conviction, Florida law mandates a minimum 5-year driver license revocation. This is not a suspension — you cannot get a hardship license during the revocation period. After the minimum revocation, you must:
- Complete DUI Level II school
- Install an ignition interlock device (IID) for 1–2 years
- Obtain FR44 insurance with 100/300/50 limits
- Pay all reinstatement fees ($150 DHSMV + $15–$25 license fee)
- Pass the full driver license exam (written + road test) as if you were a new driver
Second DUI Outside 5 Years
If more than 5 years have elapsed since your first DUI, the second is treated similarly to a first offense for license suspension purposes — 6–12 months suspension with possible hardship eligibility. However, insurance companies still rate it as a second DUI, and premiums are significantly higher.
FR44 Insurance Cost After a Second DUI
| Policy Type | Monthly Range | Annual | Down Payment |
|---|---|---|---|
| Non-Owner FR44 (2nd DUI) | $25–$50/mo | $300–$600 | $50–$100 |
| Owner FR44 (2nd DUI) | $80–$130/mo | $960–$1,560 | $150–$350 |
| Owner FR44 (2nd DUI + Accident) | $130–$200/mo | $1,560–$2,400 | $200–$500 |
Insurance Companies That Accept Second DUI in Florida
Not all FR44 carriers accept drivers with multiple DUIs. The following companies in our network file FR44 for second DUI in Florida:
- Dairyland: Accepts second DUI, no credit check, non-owner from $25/mo
- Bristol West: Accepts second DUI with 15% down
- Windhaven: Florida specialist, multiple DUI accepted, no credit check
- Progressive: Accepts second DUI (through independent agent channel only — not direct)
- National General: May accept depending on time elapsed since first DUI
Full comparison: Companies That File FR44 in Florida →
5 Steps to Get FR44 After a Second DUI
- Complete DUI school (Level II) — 21 hours, mandatory before reinstatement
- Install IID if required — 1–2 years mandatory for second DUI within 5 years
- Get FR44 quotes from multiple carriers — rates vary widely for multiple DUIs. Compare 15+ carriers →
- File FR44 electronically with DHSMV — same-day filing available
- Pay reinstatement fees and wait for processing — 5–10 business days after filing
Get your free second DUI FR44 quote →
FAQ: FR44 Second DUI Florida
How long do I need FR44 after a second DUI in Florida?
3 years from reinstatement date — same as a first DUI. But the suspension/revocation period BEFORE reinstatement is much longer (5 years minimum if within 5 years of first).
Can I get a hardship license after a second DUI?
Only if the second DUI is outside 5 years from the first. If it is within 5 years, Florida law mandates a 5-year minimum revocation — no hardship license is available during the revocation period.
Is FR44 more expensive after a second DUI?
Yes — rates are 60–100% higher than a first DUI. Expect $80–$130/month for owner policies vs. $30–$80 for first DUI.
Can I get non-owner FR44 after a second DUI?
Yes — Dairyland and Windhaven offer non-owner FR44 for second DUI starting at $25/month.
What if I drive during the revocation period?
Driving while license revoked for DUI is a third-degree felony in Florida — punishable by up to 5 years in prison and a $5,000 fine.