FR44 Insurance for Teen Drivers Florida 2026 — Under-21 DUI Requirements

A DUI conviction for a driver under 21 in Florida is treated more severely than for adults — both for criminal penalties and for FR44 insurance. Florida has a zero-tolerance policy for underage drinking and driving, with a BAC limit of 0.02% for drivers under 21 (compared to 0.08% for adults).

Florida Zero Tolerance Law and FR44

Under Florida Statute 322.2616, any driver under 21 with a BAC of 0.02% or higher faces immediate license suspension. If convicted of DUI (BAC 0.08%+), the same FR44 requirements apply as for adults: 100/300/50 liability coverage for 36 months. However, the additional consequences and insurance costs are significantly higher for teen drivers.

FR44 Costs for Drivers Under 21

Age & Offense	Annual Owner FR44	Annual Non-Owner FR44
16-17, First DUI	$3,000-$6,000+/yr	$800-$1,500/yr
18-20, First DUI	$2,000-$4,500/yr	$500-$1,200/yr
21-24, First DUI	$1,200-$3,000/yr	$300-$800/yr
25+ (adult baseline)	$800-$2,500/yr	$168-$500/yr

Teen drivers with a DUI pay 2-4x more for FR44 than adult drivers because carriers rate young drivers as high-risk even without a DUI — adding a DUI multiplies an already-high base rate.

License Consequences for Under-21 DUI

• BAC 0.02%-0.07% (Zero Tolerance violation): 6-month license suspension for first violation. 1-year for second. This is an administrative suspension — not a criminal DUI — but it appears on driving records.
• BAC 0.08%+ (Criminal DUI): Same penalties as adult DUI plus FR44 for 36 months. Additionally, under-21 drivers face enhanced DUI school requirements and may face university disciplinary action (loss of scholarships, housing, athletic eligibility).

Carriers That Accept Under-21 FR44

Very few carriers accept drivers under 21 with a DUI. Those that do include: Dairyland, AssuranceAmerica (specializes in young drivers), and select non-standard carriers through MyFloridaFR44.com. Most standard and preferred carriers (State Farm, Geico, Progressive, Allstate) will not offer coverage to a driver under 21 with a DUI — period.

Parent Insurance Impact

If the teen driver is on a parent’s auto insurance policy at the time of the DUI, the parent’s entire policy is affected. The DUI is tied to the driver, but since the driver is on the parent’s policy, the parent’s rates increase for all vehicles on the policy. Many parents choose to remove the teen from their policy — but the teen must then obtain their own FR44 policy, which requires the teen to have their own policy in their own name.

FAQ

Can a 16 or 17-year-old get their own FR44 policy?

Yes, but it is difficult. Minors can enter insurance contracts in Florida for automobile coverage. However, most carriers require a parent or guardian co-signer — and the co-signer’s driving record and credit may affect the rate. Non-owner FR44 is often the only available option for 16-17 year olds without a registered vehicle.

Does juvenile DUI adjudication require FR44?

If the case is handled in juvenile court (under 18) and results in adjudication of delinquency for DUI, the DHSMV may still require FR44 upon license reinstatement. Juvenile adjudication does not exempt the driver from FR44 requirements.

How long does an under-21 DUI affect college?

Most colleges require disclosure of criminal convictions (including DUI) on applications or upon enrollment. A DUI may affect scholarships, financial aid (drug convictions affect FAFSA eligibility; alcohol DUI generally does not), athletic eligibility (NCAA drug/alcohol policies), and study abroad eligibility.

MyFloridaFR44.com — FR44 insurance for all ages. (855) 678-6977. Parent co-signing available.