How Do You Get FR-44 Insurance in Florida? Here What You Need to Know

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How to Find Affordable FR-44 Insurance in Florida

Looking for low-cost FR-44 insurance in Florida? One of the best ways to save money is to compare quotes from multiple providers online. In the past, most online resources focused only on SR-22 filings, but today, you can find several insurers offering policies tailored for high-risk drivers, including those needing an FR-44.

What Is FR-44 Insurance in Florida?

The FR-44 filing requirement was created by the state of Florida to ensure that drivers convicted of DUI carry significantly higher liability coverage. These minimums are set at:

  • $100,000 for bodily injury per person
  • $300,000 for total bodily injury per accident
  • $50,000 for property damage per accident

This coverage is designed to provide greater financial protection in the event of an accident caused by a high-risk driver.

How Filing and Coverage Duration Works

Florida law mandates FR-44 insurance for individuals convicted of DUI to protect the public from future risk. Once you purchase a qualifying policy, your insurer submits the FR-44 form electronically to the state.

The required coverage period is usually three years, but the exact length can vary depending on your specific situation and court order. Once notified by the state, you’ll need to obtain a compliant policy and maintain it without lapses during the entire required term.

FR-44 vs. SR-22: What’s the Difference?

Both FR-44 and SR-22 are forms of proof-of-insurance filings for high-risk drivers, but they’re not the same. The key difference is the liability coverage amount:

  • SR-22: Standard minimum limits for most violations
  • FR-44: Significantly higher limits, usually for DUI convictions

Florida and Virginia are the only two states that currently require the FR-44.

Tips for Finding the Best FR-44 Rates

Finding the most affordable FR-44 insurance takes a little research. Here’s what helps:

  • Get multiple quotes from FR-44-approved companies with us.
  • Ask about discounts for safe driving, bundling, or completing DUI programs
  • Work with FR44 & SR22 Insurance Experts – brokers who specialize in high-risk coverage

Comparing options online is the fastest way to find a plan that meets legal requirements and fits your budget.