Which Insurance Companies File FR44 Insurance in Florida?

Not all insurance companies file FR44 certificates in Florida. After a DUI conviction, many standard carriers — including Geico, State Farm, and Allstate — will either drop you or refuse to file the required FR44 certificate with the Florida DHSMV. You need a carrier that specializes in high-risk auto insurance and is authorized to electronically file FR44 certificates in Florida.

Below is the complete list of insurance companies that file FR44 in Florida in 2026, organized by what they do best.

FR44 Insurance Companies in Florida — Complete Comparison 2026

Company	Monthly Rate*	Non-Owner FR44?	Payment Plans	Credit Check?	Same-Day Filing?	Best For
Progressive	$30–$80	Yes	6-mo, 20% down	Yes	Yes	Overall value, nationwide
Bristol West	$25–$75	Yes	12-mo, 15% down	Yes	Yes	Low down payment
Dairyland	$14–$60	Yes	6 & 12-mo	No	Yes	Cheapest non-owner, bad credit
National General	$30–$85	Yes	Monthly billing	Yes	Yes	Flexible payment
Windhaven	$20–$70	Yes	12-mo	No	Yes	Florida-only, no credit check
AssuranceAmerica	$25–$75	Yes	Monthly phone pay	No	Yes	Pay-by-phone, no EFT
Direct Auto	$30–$85	Yes	Monthly installment	Yes	Yes	Walk-in locations
Gainsco	$35–$90	Limited	6-mo	Yes	Yes	Hispanic market (bilingual agents)
Infinity	$30–$80	Yes	Monthly	Yes	Yes	Multi-car discounts
Mendota	$25–$70	Yes	6-mo, monthly	Minimal check	Yes	Rural/suburban FL
Ocean Harbor	$25–$75	Yes	12-mo	No	Yes	FL coastal areas
United Automobile	$30–$80	Yes	6-mo	Minimal check	Yes	South Florida

*Monthly rates shown for single-DUI owner policy. Non-owner FR44 starts at $14/mo with select carriers.

Insurance Companies That Do NOT File FR44 in Florida

Many major carriers either do not file FR44 or will cancel your policy after a DUI:

• Geico: Does NOT file FR44 in Florida. Will cancel or non-renew after DUI.
• State Farm: Does NOT file FR44. May keep existing customers but will not file the certificate for new DUI cases.
• Allstate: Does NOT file FR44 in Florida for most cases. Very limited exceptions.
• USAA: Does NOT file FR44. Military members should look to Progressive or Dairyland instead.
• Liberty Mutual: Does NOT file FR44 in Florida.
• Farmers: Does NOT file FR44 in Florida.
• Travelers: Does NOT file FR44 in Florida.

If you are currently insured with any of these companies and receive a DUI, you will almost certainly need to switch carriers.

How to Choose an FR44 Insurance Company in Florida

Use this decision tree to find the right carrier for your situation:

1. You do not own a car → Dairyland ($14/mo non-owner)

Dairyland offers the cheapest non-owner FR44 in Florida at $14/month. They do not check credit and accept prepaid debit cards. Ideal for drivers who sold their vehicle or use public transit.

2. You have bad credit → Dairyland, Windhaven, or AssuranceAmerica

These three carriers do not use credit-based insurance scoring in Florida. Your credit score will not affect your FR44 premium.

3. You want the lowest down payment → Bristol West (15% down)

Bristol West requires only 15% down on a 12-month policy — as low as $50 for a non-owner policy. Compare to Progressive 20% or National General 25%.

4. You need same-day filing → Progressive or Dairyland

Both file FR44 certificates electronically and the DHSMV receives them within hours. Most drivers get same-day confirmation.

5. You have multiple vehicles → Infinity (multi-car discount)

Infinity offers multi-vehicle FR44 policies with up to 15% discount for 2+ cars. If your household has multiple vehicles, this can significantly reduce the per-vehicle cost.

6. You want to pay cash/by phone → AssuranceAmerica

AssuranceAmerica accepts payment by phone without requiring a bank account or EFT. Ideal if you prefer not to set up automatic payments.

Florida FR44 Filing Fee vs. Insurance Premium

There is an important distinction:

• FR44 filing fee: $15–$25, paid once. This covers the administrative cost of filing the certificate with the Florida DHSMV.
• FR44 insurance premium: $14–$130/month, ongoing. This is your actual liability insurance coverage that the FR44 certificate proves you have.

Both are typically bundled into your first payment. The filing fee is non-refundable even if you cancel the policy.

FAQ: FR44 Insurance Companies Florida

Can I keep my current insurance after a DUI in Florida?

Probably not. Most standard carriers (Geico, State Farm, Allstate) will either drop you or refuse to file FR44. You almost always need to switch to a high-risk specialist.

Which FR44 company is cheapest in Florida?

Dairyland has the lowest non-owner FR44 at $14/month. For owner policies, Bristol West and Windhaven are typically the most affordable for single-DUI drivers.

How quickly can an FR44 be filed in Florida?

Same-day for most carriers. Electronic filing to the Florida DHSMV typically completes within 2–4 hours.

Do I need an FR44 from a Florida-licensed company?

Yes — the insurance company must be licensed in Florida and authorized to file FR44 certificates with the Florida DHSMV. Out-of-state companies cannot file Florida FR44.

Can I switch FR44 companies if I find a better rate?

Yes — Florida allows switching at any time. Just make sure your new policy and FR44 filing are active before canceling the old one.