FR44 Insurance in Miami Beach, Florida

Serving Drivers in Miami-Dade County and Across Florida

Getting FR44 insurance in Miami 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 Miami 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 Miami 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 Miami Beach, Florida or the surrounding Miami-Dade 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 Miami 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 Miami Beach, Florida

Miami Beach, Florida, is primarily connected to the mainland by a few key routes. The main interstate nearby is I-95, located west of Miami Beach, which runs north-south through Miami and serves as a critical corridor for commuters and trucking. U.S. Route 1, known locally as Biscayne Boulevard and Brickell Avenue, also runs parallel to I-95, providing access to various parts of Miami. Locally, the Julia Tuttle Causeway (I-195), the MacArthur Causeway (State Road A1A), and the Venetian Causeway are the primary east-west routes connecting the city of Miami to Miami Beach. Within Miami Beach itself, Collins Avenue (State Road A1A) and Alton Road are major north-south thoroughfares that facilitate local travel along the barrier island. These roads are essential for moving residents, tourists, and commercial traffic throughout the area.

Nearby Towns We Also Serve

In addition to Miami Beach, we also serve the surrounding communities of Miami, North Miami, Aventura, Hialeah, Coral Gables, Homestead, and Doral. These towns and cities, all within a convenient 30-mile radius, provide a range of destinations for work, school, and daily errands.

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Whether you're in Miami 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 Miami Beach, Florida

Miami Beach, Florida is a vibrant and diverse city known for its beautiful beaches, lively nightlife, and world-class dining and shopping. Located on a barrier island just off the coast of Miami, Miami Beach is a popular destination for tourists and locals alike.Major roadways in Miami Beach include Collins Avenue, Ocean Drive, and Alton Road, which run parallel to the beach and are lined with hotels, restaurants, and shops. These roads can be congested at times, particularly during peak tourist season, so drivers should exercise caution and be prepared for heavy traffic.Unfortunately, Miami Beach has a reputation for strict traffic enforcement, with police cracking down on speeding, reckless driving, and driving under the influence (DUI). DUI convictions in Miami Beach can result in hefty fines, license suspension, and even jail time, so it is important for drivers to obey the rules of the road and never drink and drive.Despite the strict traffic enforcement, Miami Beach residents enjoy a laid-back lifestyle that is characterized by outdoor activities, water sports, and a thriving arts and culture scene. The city attracts a diverse population, with a mix of young professionals, retirees, and tourists from around the world.Demographically, Miami Beach is home to a large Hispanic population, with Cuban Americans making up a significant percentage of the population. The city also has a sizable LGBTQ community, with many gay-friendly bars, clubs, and events throughout the year.Economically, Miami Beach thrives on tourism, with the hospitality industry playing a major role in the city’s economy. The city is also home to a number of luxury hotels, restaurants, and boutiques, as well as a burgeoning tech and startup scene.In conclusion, Miami Beach is a bustling and lively city with a unique mix of culture, history, and natural beauty. While the city may have a reputation for strict traffic enforcement, residents and visitors alike are drawn to the city’s vibrant lifestyle, diverse demographics, and thriving economy. Whether you’re looking to relax on the beach, explore the city’s art and dining scene, or simply soak up the sun, Miami Beach has something for everyone.