FR44 Insurance in Ponce De Leon, Florida

Serving Drivers in Holmes County and Across Florida

Getting FR44 insurance in Ponce De Leon, 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 Ponce De Leon, 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 Ponce De Leon, 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 Ponce De Leon, Florida or the surrounding Holmes 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 Ponce De Leon, 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 Ponce De Leon, Florida

Ponce de Leon, Florida, is conveniently situated along several major transportation routes that facilitate easy commuting and travel. The town is directly accessible via Interstate 10, a crucial east-west corridor that runs just north of the community, providing a quick connection to nearby cities and states. U.S. Highway 90 also runs parallel to I-10, offering an alternative route through the region with easy access to local amenities. State Road 81 cuts through the heart of Ponce de Leon, connecting travelers to popular local destinations, including Ponce de Leon Springs State Park, and serving as a key route for regional travel. These roadways collectively support a seamless flow of passenger and commercial traffic, making Ponce de Leon a strategic stop for drivers in the Florida Panhandle.

Nearby Towns We Also Serve

In addition to serving the Ponce De Leon area, we also cater to the nearby communities of DeFuniak Springs, Bonifay, and Caryville. Residents from Chipley often find our services convenient as well. Additionally, many people travel from Westville and Freeport to visit us, ensuring that we meet the needs of a wide range of neighboring towns and cities within a 30-mile radius.

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Whether you're in Ponce De Leon, 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 Ponce De Leon, Florida

Ponce De Leon, Florida is a quaint town located in the northern part of the state. Named after the famous Spanish explorer Juan Ponce De Leon, the town has a population of just over 600 residents. Despite its small size, Ponce De Leon is a vibrant community with a rich history and a strong sense of community pride.The town is connected to the rest of Florida by several major roadways, including Interstate 10 and State Route 81. These roads provide easy access to nearby cities like Pensacola and Tallahassee, making it a convenient location for those who work or travel frequently.Driving conditions in Ponce De Leon are generally good, with well-maintained roads and minimal traffic congestion. However, residents should be aware of the potential for dangerous driving behaviors, such as speeding and reckless driving. The town has a zero-tolerance policy for driving under the influence, with strict penalties for DUI convictions.Traffic enforcement in Ponce De Leon is taken seriously, with regular patrols by local law enforcement agencies. Speed traps and sobriety checkpoints are common, and officers are known to crack down on any violations of traffic laws. This commitment to enforcement helps to keep the roads safe for all residents and visitors.The lifestyle in Ponce De Leon is laid-back and family-oriented, with plenty of outdoor activities to enjoy. The town is surrounded by natural beauty, including forests, lakes, and rivers, making it a great place for hiking, fishing, and boating. The community also hosts regular events and festivals, bringing residents together for fun and fellowship.Demographically, Ponce De Leon is a diverse community with a mix of families, retirees, and young professionals. The town has a strong sense of community spirit, with residents actively involved in local charities and volunteer organizations. The population is predominantly white, with a median age of 42 years old.Economically, Ponce De Leon is a small town with a mainly agricultural economy. The town’s main industries include farming, forestry, and tourism, with small businesses like restaurants and shops contributing to the local economy. The median household income in Ponce De Leon is below the national average, but the cost of living is also lower, making it an affordable place to live.Overall, Ponce De Leon is a charming town with a lot to offer residents and visitors alike. From its rich history to its beautiful surroundings, there is something for everyone to enjoy in this hidden gem of Florida.