FR44 Insurance in Jacksonville, Florida

Serving Drivers in Duval County and Across Florida

Getting FR44 insurance in Jacksonville, Florida doesn’t have to be complicated or expensive. Our team focuses on helping Florida drivers find affordable, DMV approved coverage — whether you're just starting the process or need to update an existing policy. Many of our clients are searching for the cheapest FR44 options in Jacksonville, Florida, and we’re here to help you compare, quote, and file fast.

What Is FR44 Insurance and Who Needs It?

Florida law requires FR44 insurance for drivers convicted of a DUI or similar offense. This certificate proves you carry higher liability limits than a standard auto policy. Whether you own a car or not, we offer both non-owner and owner FR44 policies — and we file your certificate directly with the Florida DMV to help reinstate your license quickly.

Looking for Florida FR44 Insurance at the lowest price in Jacksonville, Florida or the surrounding Duval County area? You’ve come to the right place. At FR44 & SR22 Insurance Experts, we specialize in helping Florida drivers get back on the road quickly and affordably — even after a serious violation.

Monthly Payments Available

Get a free quote today — your policy could be ready in under 5 minutes.

With over 15 years of experience and tens of thousands of drivers insured, we’re one of the most successful FR44 insurance agencies in the state. Our founder, Sam Ridgeway — a proud combat war veteran — built this company on trust, transparency, and a commitment to securing the cheapest FR44 insurance with no hassle.

Why Drivers in Jacksonville, Florida Choose Us

  • ✔ Florida’s most trusted resource for FR44 insurance
  • ✔ We specialize in Florida FR44 and SR22 policies
  • ✔ Instant electronic DMV filing — no delays
  • ✔ Affordable monthly payments, even with a DUI
  • ✔ Fast quotes, no hidden fees, 100% online

We work with all the major insurance carriers that offer FR44 coverage in Florida, including Progressive, Geico, Dairyland, and The General. Our licensed agents compare rates based on your individual situation, so you always get the best policy at the lowest monthly cost.

Major Roadways in Jacksonville, Florida

Jacksonville, Florida, is a major transportation hub with a network of key roadways facilitating commuting, travel, and trucking. The city is intersected by major interstates including I-10, which runs east-west and connects Jacksonville to the Gulf Coast, and I-95, a vital north-south route that links the city with the Eastern Seaboard. I-295 forms a beltway around the city, providing an alternative route for bypassing downtown traffic. US Highway 1 serves as a major north-south arterial road, while US Highway 17 runs parallel, offering another option for drivers traversing the region. US Highway 301 is a crucial route for truckers, running south from Georgia through the area. Additionally, State Road 202 (Butler Boulevard) connects the city center to the beaches, and State Road 9A functions as a major bypass and connector on the east side. Local thoroughfares such as Beach Boulevard and Atlantic Boulevard are also integral to the city’s traffic flow, providing east-west connectivity to the beaches and suburban areas. These roads collectively ensure efficient movement for commuters and transportation of goods throughout Northeast Florida.

Nearby Towns We Also Serve

In the area surrounding Jacksonville, Florida, our services extend to several nearby towns and cities. We proudly serve the communities of Orange Park, Atlantic Beach, Fernandina Beach, Neptune Beach, Ponte Vedra Beach, St. Augustine, and Middleburg. Whether you’re commuting for work, attending school, or running errands, we’re here to assist you in these vibrant and diverse locations.

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Whether you're in Jacksonville, Florida or anywhere in Florida, our process is 100% online — no office visit required. Call us at 855-678-6977. See why drivers across the state trust us for fast, affordable, DMV Approved FR44 insurance in Florida

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Map of Jacksonville, Florida

Jacksonville, Florida is the largest city by land area in the United States, spanning over 840 square miles. The city is located in the northeastern part of the state, along the banks of the St. Johns River. Known for its rich history, beautiful beaches, and vibrant cultural scene, Jacksonville is a popular destination for tourists and new residents alike.One of the defining features of Jacksonville is its extensive network of major roadways, including Interstates 95 and 10, which intersect in the city. These highways make it easy for residents and visitors to navigate the sprawling city and access its numerous attractions, from the Jacksonville Landing waterfront area to the historic Riverside neighborhood.While Jacksonville offers a picturesque backdrop for drivers, the city is not without its traffic challenges. Like many urban areas, Jacksonville experiences congestion during peak travel times, particularly along major thoroughfares such as Beach Boulevard and Southside Boulevard. Traffic accidents are also a concern, with drunk driving being a leading cause of crashes in the city.The Jacksonville Sheriff’s Office is committed to enforcing traffic laws and cracking down on impaired drivers. DUI convictions are taken very seriously in Jacksonville, with offenders facing stiff penalties including fines, license suspension, and even jail time. The city also operates sobriety checkpoints and conducts regular DUI patrols to deter drivers from getting behind the wheel while under the influence.In addition to its traffic enforcement efforts, Jacksonville offers a high quality of life for its residents. The city’s diverse population includes a mix of young professionals, families, and retirees, creating a dynamic and inclusive community. Jacksonville’s demographics reflect its status as a melting pot, with a blend of ethnicities and cultures that contribute to its vibrant social scene.Economically, Jacksonville is a thriving city with a strong job market and numerous industries driving growth. The city is home to a number of Fortune 500 companies, as well as a burgeoning tech sector and a robust healthcare industry. Jacksonville’s economy is supported by a skilled and educated workforce, as well as a pro-business environment that attracts new investment and development.In conclusion, Jacksonville, Florida is a city that offers both beauty and opportunity to its residents. From its scenic roadways and bustling downtown to its diverse population and strong economy, Jacksonville has something for everyone. Whether you’re a visitor passing through or a longtime resident, it’s easy to see why Jacksonville is a dynamic and welcoming place to call home.

Clerk of the Court Office for Jacksonville, Florida

Jacksonville | Duval County | Florida

Duval County Clerk of the Court Office
501 W. Adams Street
Jacksonville, Florida 32202
Telephone Number: 904-255-2300

DUI SCHOOL AND DUI PROGRAMS (BY COUNTY)

Jacksonville | Duval County | Florida

Northeast Florida Safety Council, Inc. – Baker
1725 Art Museum Drive
Jacksonville, Florida 32207
Telephone Number: 904-399-3119
Website address: http://www.jaxsafety.com/

Northeast Florida Safety Council, Inc.- Baker
1725 Art Museum Drive
Florida 32207
Telephone Number: 904-399-3119
Website address: http://www.jaxsafety.com/

Bureau of Administrative Reviews (by County)

Jacksonville | Duval County | Florida

Duval Bureau of Administrative Review
7439 Wilson Blvd
Jacksonville, Florids 32210
Telephone Number: 904-777-2132

Drivers License Service Centers for Jacksonville, Florida

Jacksonville | Duval County | Florida

Duval County, Jacksonville Office (44th St.)
910 W. 44th Street
Jacksonville, Florida 32208
Telephone Number: 904-630-1916

Duval County, Jacksonville Office (Atlantic Blvd)
12220 Atlantic Blvd, Suite 102
Jacksonville, Florida 32225
Telephone Number: 904-630-1916

Duval County, Jacksonville Office (Blanding Blvd)
3520-1 Blanding Blvd
Jacksonville, Florida 32218
Telephone Number: 904-630-1916

Duval County, Jacksonville Office (Commonwealth Blvd.)
672 Commonwealth Blvd.
Jacksonville, Florida 32257
Telephone Number: 904-630-1916

Duval County, Jacksonville Office (Forsyth St)
231 E. Forsyth Street
Jacksonville, Florida 32202
Telephone Number: 904-630-1916

Duval County, Jacksonville Office (Hogan Rd)
7120 -15 Hogan Road
Jacksonville, Florida 32216
Telephone Number: 904-630-1916

Duval County, Jacksonville Office (Main St)
12961 N. Main Street, Suite 210
Jacksonville, Florida 32218
Telephone Number: 904-630-1916

Duval County, Jacksonville Office (San Jose Blvd)
10035 San Jose Blvd
Jacksonville, Florida 32257
Telephone Number: 904-630-1916

Duval County, Neptune Beach Office
1505 Atlantic Blvd
Neptune Beach, Florida 32266
Telephone Number: 904-630-1916

Florida Highway Patrol Stations

Jacksonville | Duval County | Florida

Florida Highway Patrol Jacksonville
7322 Normandy Blvd
Jacksonvile, Florida 32205
Telephone Number: 904-695-4000

Interlock Device Florida

Contracted Provider Contact Information Approved Devices
Florida Interlock, Inc./Draeger 813-513-0000
Website
Model #: Draeger Interlock 7000
Smart Start 800-880-3394
Website
Model #SSI 2030
Guardian Interlock 800-499-0994
Website
Model #: AMS 2000
ALCOLOCK 866-837-8646
Website
Model #: Alcolock LR
INTOXALOCK 844-612-3952
Website
Model #: Model #: 1001A

FAQ for Jacksonville, Florida FR44 Insurance

Question:

What is FR44 insurance, and why might I need it in Jacksonville, Florida?

Answer:

FR44 insurance is a type of insurance certificate typically required for drivers in Jacksonville, Florida, who have been convicted of serious offenses such as DUIs. It demonstrates that you carry higher liability coverage than the state minimum, and obtaining it is often mandatory to reinstate your driving privileges after such convictions.


Question:

How does FR44 insurance affect my premiums if I live in Jacksonville, Florida?

Answer:

If you’re required to obtain FR44 insurance in Jacksonville, Florida, you can expect your premiums to increase significantly. This is because FR44 mandates higher liability coverage levels, which results in higher costs. FR44 & SR22 Experts can provide guidance on how these policies might impact your premiums and help you explore potential savings.


Question:

Can FR44 insurance be bundled with other insurance policies in Jacksonville, Florida?

Answer:

Yes, it is possible to bundle FR44 insurance with other insurance policies in Jacksonville, Florida, such as homeowner’s or renter’s insurance. However, not all insurance companies may offer bundling options for FR44 policies due to the unique nature of these requirements. Consulting with FR44 & SR22 Experts can help determine which insurers provide such options and potentially reduce overall insurance costs through bundling.

What’s the Difference Between SR-22 and FR-44 Insurance in Florida?
Let’s break down the key differences between SR-22 and FR-44 insurance requirements for Florida drivers—especially if you’re looking to clear up a DUI or keep your driving privileges after a serious traffic violation.

SR-22 Insurance Requirements:

Designed for drivers with less severe violations, SR-22 acts as a certificate proving you’ve met the state’s minimum liability coverage.
Coverage minimums for SR-22 in Florida usually include:
$10,000 in bodily injury liability per person
$20,000 per accident for bodily injury
$10,000 for property damage liability
$10,000 in personal injury protection (PIP)
FR-44 Insurance Requirements:

Required after a DUI conviction, FR-44 insurance comes with much steeper coverage limits than SR-22.
In Jacksonville and across Florida, the required minimums for FR-44 are:
$100,000 in bodily injury liability per person
$300,000 per accident for bodily injury
$50,000 for property damage liability
$10,000 for personal injury protection (PIP), same as standard
In Simple Terms:

FR-44 = higher coverage, for more serious offenses (like DUI)
SR-22 = lower coverage, for less severe infractions
Both policies ensure you meet state law before that all-important license reinstatement, but FR-44 is designed to protect the public (and you) in the event of a much costlier accident.

Why so much higher for FR-44? Because it’s focused on protecting others if you’re involved in a serious incident, especially one involving intoxication. So if you’re getting back on the road in Jacksonville, make sure you know which form you need—those minimums make a big difference if you ever need to file a claim.

Florida SR-22 and FR-44 Insurance: Coverage Requirements
If you’re dealing with an SR-22 or FR-44 filing in Florida, it’s important to understand how these requirements affect your insurance policy—especially in Jacksonville and all across Duval County.
SR-22 insurance—often needed after offenses such as driving without insurance—requires:

Bodily injury liability: At least $10,000 per person and $20,000 per accident
Property damage liability: At least $10,000
Personal injury protection (PIP): $10,000

FR-44 insurance—usually mandated after a DUI conviction—has much steeper requirements:

Bodily injury liability: No less than $100,000 per person and $300,000 per accident
Property damage liability: At least $50,000
Personal injury protection (PIP): $10,000

In short, FR-44 coverage is significantly higher, reflecting the state’s tougher stance on DUI-related offenses. Bodily injury liability helps pay for injuries to other people if you’re at fault in an accident, while property damage liability covers damage you cause to someone else’s property or vehicle. PIP, meanwhile, pays for injuries to you and your passengers, regardless of who caused the accident.
Understanding these differences ensures that you’ll meet Florida’s specific legal requirements and prevents delays in getting your license reinstated.

What Affects the Cost of SR-22 and FR44 Insurance in Florida?

When it comes to determining the price of your SR-22 or FR44 insurance in Jacksonville, several important details come into play beyond just your driving history. Insurance companies look at a whole picture to calculate your rate, including:

Your credit score
The kind of vehicle you drive
Your age
Your ZIP code

You may also qualify for certain discounts, and every insurer has their own way of weighing these factors. Because no two companies rate the same, shopping around with well-known names like GEICO, Progressive, and State Farm can help you find the lowest price available for your situation.
Gather a few quotes and see how the numbers stack up before making your decision—you could end up saving quite a bit each month.
Average FR44 Insurance Rates in Florida
If you’re wondering what to expect when shopping around for FR44 insurance in Florida, here’s a quick overview of typical annual rates based on leading insurance providers:

Liability-only policies: Rates start around $2,100 per year, with several major companies offering rates between $3,200 and $4,400. Some carriers may quote even higher, especially if you have additional risk factors on your record.
Full coverage policies: These can range from approximately $3,200 to over $9,000 annually, depending on the insurer and your specific circumstances. Statewide averages tend to be about $4,300 for liability and roughly $6,700 for full coverage.

Of course, your individual quote will vary based on your driving history, location in Jacksonville, and the insurance company you choose. That’s why it pays to compare rates and ask about monthly payment options—ensuring you get the lowest rate available for your FR44 or SR22 insurance policy.

What Personal Factors Influence FR44 and SR22 Insurance Rates in Florida?
When it comes to determining your FR44 or SR22 insurance premium in Jacksonville—and throughout Florida—a few key personal details come into play. Insurers look beyond your driving history to assess your overall risk, using factors that can make a noticeable difference in what you pay each month.
Some of the most important personal factors include:

Credit Score: Many companies use your credit profile as one of the tools to predict insurance risk.
Type of Vehicle: The make, model, and year of your car can impact your rates. A newer or higher-value car may cost more to insure.
Age and Experience: Younger drivers or those with less experience typically see higher rates.
ZIP Code: Where you live matters. Residents in certain Jacksonville neighborhoods may pay more or less depending on local traffic and claims trends.
Eligible Discounts: Qualifying for things like good driver discounts, multi-policy bundles, or safe vehicle features can help lower your premium.

Because every insurance company—whether it’s Progressive, GEICO, State Farm, or Allstate—weighs these factors a bit differently, your best bet for a budget-friendly policy is to shop around and compare quotes before making a decision. This way, you’re more likely to lock in the best rate for your unique situation.

Who Offers the Most Affordable SR-22 Insurance in Florida?

If you’ve had a major driving violation—like reckless driving or a hit-and-run—you’re probably searching for affordable SR-22 insurance in Jacksonville. Fortunately, several well-known insurance carriers provide SR-22 policies at competitive rates, even if your record isn’t spotless.

For Jacksonville drivers, some of the lowest annual rates for SR-22 liability insurance are often found with companies like State Farm and Geico. These companies are known for competitive pricing, with average monthly premiums that are typically lower than many others.

Here’s a quick look at how companies tend to stack up for SR-22 coverage after a major violation:

State Farm: Frequently offers some of the most affordable annual rates for liability and full coverage SR-22 policies.
Geico: Known for competitive pricing, especially for drivers who need to file an SR-22.Bristol West, Progressive, UAIC, Direct Auto, and Allstate: Also provide SR-22 policies, though their premiums may run higher compared to others.
On average, SR-22 insurance costs are higher after a serious violation, but with careful comparison shopping—and our team’s guidance—you can still find an option that won’t break the bank.

What Counts as Major Violations for SR-22 in Florida?

In Florida, certain serious traffic offenses—beyond just DUI convictions—can lead to the requirement of an SR-22 form. Major violations include offenses such as reckless driving, fleeing the scene of an accident (hit-and-run), driving with a suspended license, or being involved in a serious at-fault accident without insurance. These infractions signal to the state that you’re a high-risk driver and must carry specialized insurance before getting your license reinstated.

If you want to see what your specific rates could be, get in touch with us for a free quote. We’ll take the hassle out of comparing companies and help you find Jacksonville’s best price for the coverage you need.

What Are Minor Offenses Requiring an SR-22 in Florida?

In Florida, certain minor traffic violations can trigger the need for an SR-22, even if they aren’t related to a DUI. Common examples include:

Driving without valid auto insurance
Operating a vehicle with a suspended license or registration
Failing to pay traffic tickets or appear in court
Being involved in an accident without proper insurance coverage
If you’ve found yourself facing any of these situations in Jacksonville or Duval County, you may need to file an SR-22 before your driving privileges can be restored.