If you have a DUI conviction in Florida and need FR44 insurance, cost is probably your first question. This guide breaks down exactly what Florida drivers pay for FR44 insurance in 2026 — monthly rates, what drives the price up or down, how carriers compare, and how to get the lowest legal rate.

FR44 Insurance Cost by Policy Type (2026)

Rates represent Florida market averages across multiple carriers as of 2026. Individual rates vary by ZIP code, age, driving history, and carrier. Call 1-855-678-6977 for your exact rate.

What Drives FR44 Insurance Cost in Florida?

1. Car Ownership (Biggest Factor)

Whether you own a vehicle is the single biggest cost driver. Non-owner FR44 policies are 60–80% cheaper than owner policies because there’s no physical vehicle to insure — just the liability filing. If you don’t own a car and only need the FR44 to get your license back, always buy a non-owner policy.

2. Number of DUI Convictions

First offense vs. second offense creates a significant pricing gap. Many standard carriers decline to write a second-offense DUI. Specialty carriers (Dairyland, The General, Gainsco) are designed for this market and often offer more competitive rates than companies that don’t typically write high-risk policies.

3. Time Since DUI Conviction

The older your DUI, the lower your rate. A DUI from 3 years ago carries significantly lower rates than one from 6 months ago. Rates improve substantially at the 2-year and 5-year marks post-conviction on most carriers’ rating systems.

4. Age and Gender

Drivers under 25 pay significantly more. Males under 25 with a DUI pay the highest FR44 rates in Florida. Rates normalize substantially after age 30, and continue improving through your 40s and 50s.

5. Vehicle Type and Year

Sports cars, luxury vehicles, and newer model-year cars cost more to insure. An older economy car (2010 or earlier) with liability-only coverage often qualifies for the lowest owner FR44 rates.

6. ZIP Code / City

Miami-Dade and Broward County drivers typically pay 15–25% more than drivers in North Florida due to higher population density, accident rates, and theft rates. Rural Florida ZIP codes (Gainesville, Tallahassee, Panama City) typically have the lowest FR44 rates in the state.

FR44 Insurance Rates by Florida City (2026 Estimates)

FR44 Cost: Carrier Comparison

Not all carriers charge the same rate for FR44 in Florida. The difference between the cheapest and most expensive carrier for the same driver can be $50–$100/month. This is why shopping multiple carriers — which we do automatically when you call — is so important.

FR44 vs SR22 Cost Comparison

SR22 insurance is significantly cheaper than FR44 because it has lower minimum liability requirements. Here’s the direct comparison for Florida:

• SR22 non-owner (FL): $8–$25/month | FR44 non-owner (FL): $14–$60/month
• SR22 owner (FL): $40–$90/month | FR44 owner (FL): $65–$200/month
• Why the difference: FR44 requires $100K/$300K/$50K limits. SR22 only requires $10K/$20K/$10K.
• Florida rule: DUI convictions require FR44, not SR22. If a court or DMV tells you SR22, confirm — Florida DUI law mandates FR44.

How to Get the Cheapest FR44 Insurance in Florida

1. Buy non-owner if you don’t own a car — saves 60–80% over an owner policy
2. Shop multiple carriers — rate differences can be $50–$100/month for identical coverage
3. Pay in full vs monthly — paying 6 months upfront saves 10–15% with most carriers
4. Bundle with other policies — if you have renters or other insurance with the same carrier, discounts may apply
5. Keep a clean record going forward — no additional violations = rates improve faster
6. Use an independent agency — we compare 15+ carriers in real time and find your lowest rate