FR44 Insurance St. Johns County and St. Augustine, Florida
FR44 Insurance in St. Johns County, Florida
St. Johns County is one of Florida’s fastest-growing counties, encompassing St. Augustine (the oldest city in the United States), Ponte Vedra Beach, St. Augustine Beach, Palm Valley, and extensive suburban growth south of Jacksonville. The county falls under the 7th Judicial Circuit, which covers St. Johns, Flagler, Putnam, and Volusia counties.
FR44 Requirements for St. Johns County Drivers
| Requirement | Details |
|---|---|
| Minimum liability | 00,000 per person / 00,000 per accident / 0,000 property damage |
| FR44 duration | 3 years from FLHSMV license reinstatement |
| Certificate filed by | Your insurance carrier — electronic filing with FLHSMV |
| Lapse penalty | Immediate license suspension; 3-year clock resets to zero |
| IID requirement | Mandatory for BAC 0.15%+ or any second DUI offense |
FR44 Insurance Cost in St. Johns County
St. Johns County rates are moderate — typically lower than Jacksonville/Duval but above rural North Florida. The county has relatively low traffic litigation rates despite rapid population growth.
| Coverage Type | Annual Estimate | Monthly |
|---|---|---|
| Owner — minimum FR44 + PIP | ,300-2,200/yr | 08-183/mo |
| Owner — with comprehensive/collision | ,100-3,500/yr | 75-292/mo |
| Non-owner FR44 | 90-660/yr | 3-55/mo |
St. Augustine Tourism and DUI Risk
St. Augustine’s historic district draws millions of visitors annually, with a concentration of bars, restaurants, and nightlife on St. George Street and near the bayfront. The city consistently records elevated DUI arrest rates relative to its resident population size, driven by tourist traffic. St. Johns County Sheriff’s Office and St. Augustine Police Department maintain active DUI enforcement in the historic district, particularly on weekends.
Out-of-state visitors who receive a DUI in St. Augustine must satisfy Florida’s FR44 requirement to reinstate a Florida driving record, AND their home state’s SR22 or equivalent requirement for their home-state license. These are separate processes.
7th Judicial Circuit DUI Process
DUI cases in St. Johns County are processed through the St. Johns County Court (misdemeanor) and 7th Circuit Court (felony DUI, third offense+). The State Attorney’s Office for the 7th Circuit handles prosecution. St. Johns County does not currently have a dedicated DUI diversion program, so most first-offense DUIs proceed through standard adjudication unless negotiated to reckless driving by defense counsel.
Hardship License in St. Johns County
After a first DUI conviction in St. Johns County, the standard path to a hardship (BPO/EPO) license:
- Enroll in a state-licensed Florida DUI school (Level I: 12 hours; Level II: 21 hours for BAC 0.15%+)
- Obtain FR44 insurance with active certificate filed with FLHSMV
- Install IID if required (BAC 0.15%+ or second offense)
- Serve any mandatory hard suspension period (30 days for first DUI)
- Visit St. Johns County DHSMV (St. Augustine location) with documentation and reinstatement fee
Non-Owner FR44 in St. Johns County
St. Johns County has no local bus transit system comparable to Duval or Orange County. For drivers in this county without a vehicle, non-owner FR44 satisfies the FLHSMV certificate requirement while you arrange alternative transportation. Cost: approximately 3-55/month. Non-owner FR44 covers liability only — it does not include PIP, comprehensive, or collision.
St. Johns County Communities Covered
- St. Augustine
- St. Augustine Beach
- Ponte Vedra Beach
- Palm Valley
- Nocatee (one of the fastest-growing master-planned communities in the US)
- Fruit Cove
- Switzerland
- Hastings
- Elkton
Same-Day FR44 Filing
We write FR44 insurance for St. Johns County drivers and file electronically with FLHSMV the same day in most cases. Whether your DUI occurred in St. Augustine’s historic district, on I-95, or anywhere in the county, we can get your certificate filed so you can start the reinstatement process immediately.