FR44 is Florida’s high-limit financial responsibility certificate required after a DUI conviction. Because FR44 requires significantly higher liability coverage than standard insurance ($100K/$300K/$50K vs the standard $10K/$20K/$10K for SR22), it costs more than a regular policy. But the range is wide — from $14/month for non-owner policies to $160+/month for owner policies with prior incidents. Here is how it breaks down.

FR44 Cost Quick Reference

FR44 Cost by Policy Type — Florida

Policy Type	Monthly Range	Who It Applies To
Non-Owner FR44	$14 – $30 / mo	Drivers who do not own a vehicle. Covers you when driving borrowed or rental vehicles. Most affordable FR44 option.
Owner FR44 — First DUI, Clean Prior Record	$65 – $100 / mo	First DUI with no prior serious violations or accidents. Best owner rates available.
Owner FR44 — First DUI, Prior Incidents	$100 – $140 / mo	First DUI but with prior at-fault accidents or violations on your record.
Owner FR44 — Second DUI or Multiple Violations	$130 – $160+ / mo	Second DUI conviction or multiple serious violations. Higher-risk bracket.
Owner FR44 — Young Driver (Under 25)	$90 – $180 / mo	Age adds a significant surcharge on top of the DUI surcharge. Rates improve rapidly after 25.

What Affects Your Florida FR44 Rate

Factor	Impact	Details
Policy type	Very High	Non-owner is dramatically cheaper than owner. If you do not own a vehicle, always get non-owner FR44.
Prior driving record	Very High	Prior at-fault accidents, speeding tickets, and violations stack onto the DUI surcharge.
Age	High	Drivers under 25 pay significantly more. Over 30 rates improve substantially.
Florida county	Moderate	South Florida (Miami-Dade, Broward, Palm Beach) rates are typically 10-20% higher than Central or North Florida.
Vehicle value and type	Moderate	Higher-value vehicles and sports cars cost more to insure. A non-owner policy removes this variable entirely.
Carrier choice	High	FR44 rates for the same driver vary significantly between carriers. We compare 15+ carriers simultaneously.
Years since DUI	Moderate	Rates may gradually improve as you demonstrate clean driving during the 3-year FR44 period. Re-shopping annually can help.

FR44 vs SR22 Cost — Why FR44 Is More Expensive

FR44 costs more than SR22 because it requires higher liability limits:

Coverage	FR44 (Florida DUI)	SR22 (Most Other States)
Bodily Injury / Person	$100,000	$10,000
Bodily Injury / Accident	$300,000	$20,000
Property Damage	$50,000	$10,000

Florida’s FR44 requires 10x the bodily injury coverage of standard SR22. This higher coverage mandate is why FR44 costs more — you are buying significantly more insurance.

How to Get the Lowest Florida FR44 Rate

• Determine whether you need owner or non-owner. If you do not own or regularly drive a specific vehicle, non-owner is always cheaper and fully satisfies the requirement.
• Compare multiple carriers immediately. We compare 15+ Florida FR44 carriers in minutes. Single-carrier quotes are often not the best available rate.
• Do not wait to file. Every day without FR44 is a day your 3-year clock is not running. Get filed as fast as possible to start the clock earlier.
• Maintain continuous coverage without gaps. Any lapse resets your clock and signals to carriers that you are a worse risk.
• Re-shop annually. As your DUI ages and your clean driving record grows, your rate can improve. Getting fresh quotes at 12 and 24 months often reveals better rates.

Frequently Asked Questions — FR44 Cost

What is the cheapest FR44 insurance in Florida?

Non-owner FR44 policies start at $14/month and are the cheapest FR44 option. For drivers who own a vehicle, the cheapest rates start around $65/month for first-DUI drivers with clean prior records. We compare 15+ Florida carriers to find your lowest rate within minutes of your call.

Why does FR44 cost more than regular insurance?

FR44 requires higher liability coverage than standard insurance: $100,000/$300,000/$50,000 — versus $10,000/$20,000/$10,000 for standard Florida minimums. Higher coverage limits mean higher premiums. Additionally, having a DUI on your record marks you as a higher-risk driver, which carriers price accordingly.

Does FR44 cost the same from every insurance company?

No — FR44 rates vary significantly between carriers for the same driver. One carrier might quote you $95/month while another quotes $135/month for identical coverage. This is why comparing multiple carriers is essential. Calling one company and accepting their quote is almost always leaving money on the table.

Will my FR44 rate go down over time?

Possibly. As your DUI ages and you demonstrate clean driving during the 3-year FR44 period, some carriers will offer lower rates at annual renewal. The reduction varies by carrier and market conditions. Re-shopping at 12 and 24 months often reveals better rates. When FR44 is no longer required (after 3 years), you can return to standard insurance at substantially lower rates.

Can I pay FR44 insurance monthly?

Yes. All FR44 carriers we work with offer monthly payment options. Some carriers offer small discounts for paying 6 or 12 months upfront. Monthly payment is the most common option and does not affect your coverage or your 3-year clock — as long as payments are made on time and coverage never lapses.