FR44 Insurance in Key West, Florida

Serving Drivers in Monroe County and Across Florida

Getting FR44 insurance in Key West, 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 Key West, 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.

Florida FR44 insurance laws apply statewide and are specifically designed for drivers convicted of DUI or similar offenses. If you're required to carry an FR44 policy, you must meet much higher liability limits than standard auto insurance. The state minimums for FR44 coverage are $100,000 per person, $300,000 per accident for bodily injury, and $50,000 for property damage.

Whether you live in Key West, Florida or any other city in Florida, these requirements are the same—and you’ll need to maintain continuous coverage for at least three years. Failing to keep your policy active can result in additional license suspension and reinstatement fees. Understanding these rules is key to getting back on the road legally and affordably after a DUI.

Looking for Florida FR44 Insurance at the lowest price in Key West, Florida or the surrounding Monroe 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 FR44 Insurance 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 Key West, 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 Key West, Florida

Key West, Florida, is primarily connected to the mainland via U.S. Route 1, also known as the Overseas Highway. This iconic route extends from Key West to mainland Florida, serving as the primary artery for travel and trucking to and from the island. Notably, there are no interstates on the Keys; U.S. 1 remains the main thoroughfare for all regional travel. On the island itself, North Roosevelt Boulevard, which is part of U.S. 1, serves as a key local roadway facilitating access to various parts of town. Additionally, South Roosevelt Boulevard circles the southeastern portion of the island, providing access to the airport and some residential areas. Although Key West lacks the extensive highway networks found in larger cities, these routes ensure connectivity for tourists, commuters, and freight alike.

Nearby Towns We Also Serve

In our “Nearby Towns We Also Serve” section, we proudly include Marathon, Big Pine Key, Stock Island, Cudjoe Key, Sugarloaf Key, and Summerland Key as part of the communities within a 30-mile radius of Key West, Florida. Whether you’re traveling for work, school, or errands, our services extend to these vibrant neighboring areas, ensuring convenience for all your needs.

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Whether you're in Key West, 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 Key West, Florida

Key West, Florida is a vibrant town located at the southernmost tip of the United States. Known for its beautiful beaches, stunning sunsets, and lively atmosphere, Key West is a popular destination for tourists and residents alike.Key West is a relatively small town, with a population of just under 25,000 residents. Despite its size, the town is well-known for its lively nightlife and thriving arts community. The town is also home to several historic sites, including the Hemingway House and the Southernmost Point Buoy.Major roadways in Key West include the Overseas Highway, which connects the town to the rest of the Florida Keys and the mainland. Other major roadways in the town include Truman Avenue, North Roosevelt Boulevard, and Whitehead Street. Driving conditions in Key West can be challenging, especially during peak tourist seasons when the town can become congested with traffic.In terms of traffic enforcement, Key West has a strong police presence, with officers regularly patrolling the town’s streets to ensure the safety of residents and visitors. DUI convictions are taken seriously in Key West, with offenders facing steep fines, license suspensions, and even jail time.The lifestyle in Key West is laid-back and relaxed, with residents and visitors alike enjoying the town’s warm weather and beautiful surroundings. The town is known for its diverse population, with residents of all ages and backgrounds calling Key West home.In terms of demographics, Key West is a relatively diverse town, with a mix of white, Hispanic, and African American residents. The town’s economy is largely dependent on tourism, with many residents working in the hospitality industry.Overall, Key West is a unique and vibrant town with a lot to offer residents and visitors alike. With its stunning beaches, lively atmosphere, and rich history, Key West is a truly special place that continues to draw people from all over the world.