FR44 Insurance in South Miami, Florida

Serving Drivers in Miami-Dade County and Across Florida

Getting FR44 insurance in South Miami, 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 South Miami, 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 South Miami, 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 South Miami, 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 South Miami, 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 South Miami, Florida

South Miami, Florida is well-connected by several major roadways and highways that facilitate commuting and travel. The primary interstate serving the area is I-95, which runs along the eastern edge of Miami, providing a vital north-south corridor. Additionally, the Palmetto Expressway (State Road 826) runs near South Miami, serving as a key route for both local and through traffic. US Route 1, known locally as South Dixie Highway, passes directly through the town, offering a convenient connection to downtown Miami and the southern parts of the county. The Don Shula Expressway (State Road 874) and the Snapper Creek Expressway (State Road 878) are also important routes that help ease traffic flow and provide access to various local destinations. These roads collectively create an efficient network for drivers, whether they’re commuting for work, traveling for leisure, or transporting goods in South Miami and beyond.

Nearby Towns We Also Serve

In addition to serving South Miami, Florida, we are also proud to serve the surrounding communities of Coral Gables, Pinecrest, Kendall, West Miami, Cutler Bay, and Palmetto Bay. These nearby towns and cities are all within a short drive and are integral parts of the vibrant Miami metropolitan area.

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Whether you're in South Miami, 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 South Miami, Florida

South Miami, Florida is a vibrant and diverse town located in Miami-Dade County, just south of the bustling city of Miami. Known for its tree-lined streets, beautiful parks, and strong sense of community, South Miami offers residents a peaceful oasis in the midst of the urban sprawl.One of the major roadways that runs through South Miami is US-1, also known as South Dixie Highway. This busy thoroughfare connects residents to neighboring towns and provides easy access to major highways like the Palmetto Expressway and the Dolphin Expressway. While traffic can be heavy during peak hours, the well-maintained roads and efficient traffic flow make commuting a relatively stress-free experience for residents.Unfortunately, like many towns in Florida, South Miami has a high rate of driving under the influence (DUI) convictions. Law enforcement agencies in the area are diligent in cracking down on drunk driving, but the prevalence of nightlife in nearby Miami can contribute to the problem. Residents and visitors alike are urged to use caution and always designate a sober driver when consuming alcohol.Traffic enforcement in South Miami is taken seriously, with both local police and the Miami-Dade County Sheriff’s Office patrolling the streets to ensure compliance with traffic laws. Speeding, running red lights, and reckless driving are all closely monitored, and violators can expect to face fines and penalties for their actions.The lifestyle in South Miami is laid back and family-friendly, with a strong emphasis on outdoor activities and community events. The town is home to numerous parks, playgrounds, and recreational facilities, making it a popular destination for families and outdoor enthusiasts.Demographically, South Miami is a melting pot of cultures, with a large Hispanic population and a growing number of young professionals and families moving into the area. The town’s economic landscape is equally diverse, with a mix of small businesses, restaurants, and retail establishments contributing to a thriving local economy.In conclusion, South Miami, Florida is a charming and lively town that offers residents a peaceful retreat from the chaos of city life. With its strong sense of community, beautiful parks, and convenient location, it’s no wonder that South Miami is a popular destination for both residents and visitors alike.