I Can’t Afford FR44 Insurance

Getting a DUI is hard enough — but what comes after can feel even worse. If you’ve been told you need FR44 insurance to get your license back in Florida, you might be shocked by the price. We hear it all the time:
“I just can’t afford FR44 insurance.”

You’re not alone. FR44 insurance costs more than regular insurance, and for many people, it puts driving completely out of reach. But the good news is — you do have options.

Why Is FR44 Insurance So Expensive?

FR44 insurance is court-ordered for certain serious offenses like a DUI. It requires much higher coverage limits than regular car insurance. That’s what drives the price up.

In fact, just needing an FR44 can double or even triple your monthly cost — and if you already had a tight budget, it can feel impossible to pay.

Real Solutions If You Can’t Afford FR44 Insurance

We’ve helped a lot of people in your situation. Here are two smart ways to make it work:

1. Monthly Payment Plans

Not every insurance company lets you split your FR44 policy into payments. Some want the full six-month or even full-year amount upfront — and that’s just not realistic for most people.

At FR44 & SR22 Insurance Experts, we offer monthly payment plans. This means you don’t have to come up with a big chunk of money all at once. You can start your policy, file your FR44, and get back on the road — with just your first month’s payment and a small setup fee in most cases.

If you’ve been quoted a big number and told you need to pay it all at once, give us a call first2. Switch to a Non-Owner FR44 Insurance Policy

Here’s another option you might not know about: selling your car and switching to a non-owner FR44 insurance policy.