FR44 Insurance in Melbourne Beach, Florida

Serving Drivers in Brevard County and Across Florida

Getting FR44 insurance in Melbourne Beach, 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 Melbourne Beach, 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 Melbourne Beach, 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 Melbourne Beach, Florida or the surrounding Brevard 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 Melbourne Beach, 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 Melbourne Beach, Florida

Melbourne Beach, Florida, is primarily accessed via State Road A1A, a scenic highway that runs along the east coast of the state, offering direct access to coastal communities and acting as the main artery through the town. A short distance to the west, U.S. Route 192 connects with the mainland via the Melbourne Causeway, linking to Interstate 95, which is a major north-south route facilitating regional travel and long-distance trucking along Florida’s eastern seaboard. Additionally, State Road 507 (Babcock Street) and U.S. Route 1 run parallel to the interstate, providing alternative routes for local and regional traffic. These roadways ensure that Melbourne Beach is well-connected to major cities and destinations in Florida.

Nearby Towns We Also Serve

In addition to serving Melbourne Beach, we proudly extend our services to the nearby towns and cities of Melbourne, Indialantic, Palm Bay, Satellite Beach, Indian Harbour Beach, West Melbourne, and Malabar. These vibrant communities, all within a convenient 30-mile radius, are integral parts of our service area.

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Whether you're in Melbourne Beach, 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 Melbourne Beach, Florida

Melbourne Beach, Florida is a charming coastal town located in Brevard County, known for its beautiful beaches and laid-back lifestyle. The town is situated on a barrier island along the Atlantic Ocean, offering residents and visitors a picturesque setting to enjoy the sun, surf, and sand.Major roadways in Melbourne Beach include A1A, which runs along the coast and provides easy access to the town’s beaches, shops, and restaurants. The Melbourne Causeway, also known as State Road 192, connects the barrier island to the mainland and is a popular route for commuters and tourists alike.Driving conditions in Melbourne Beach are generally good, with well-maintained roads and signage. However, like many coastal towns in Florida, traffic can be heavy during peak tourist seasons and holidays. It is important for drivers to be aware of their surroundings and to obey traffic laws to ensure safety on the roads.DUI convictions in Melbourne Beach are taken seriously by law enforcement, with officers conducting frequent checkpoints and patrols to catch impaired drivers. The legal limit for blood alcohol concentration in Florida is 0.08%, and penalties for a DUI conviction can include fines, license suspension, and even jail time.Traffic enforcement in Melbourne Beach is vigilant, with local police officers patrolling the streets and issuing citations for traffic violations such as speeding, running red lights, and reckless driving. The town takes a proactive approach to promoting safe driving habits and reducing accidents on the road.The lifestyle in Melbourne Beach is relaxed and beach-centric, with residents and visitors enjoying outdoor activities such as surfing, fishing, and beachcombing. The town has a small-town feel with a close-knit community, and residents can often be seen walking or biking around town.Demographics in Melbourne Beach skew towards an older population, with a median age of 55 and a higher proportion of retirees compared to other towns in Brevard County. The town’s population is predominantly white, with a smaller percentage of Hispanic and African American residents.Economically, Melbourne Beach relies heavily on tourism and the service industry, with many residents working in restaurants, hotels, and retail shops. The town also has a growing real estate market, with many residents investing in beachfront properties.Overall, Melbourne Beach offers a unique blend of natural beauty, outdoor activities, and a tight-knit community that make it a desirable place to live or visit. Whether you’re looking to soak up the sun on the beach or enjoy the local cuisine, Melbourne Beach has something to