FR44 Insurance in St. Augustine Beach, Florida

Serving Drivers in St. Johns County and Across Florida

Getting FR44 insurance in St. Augustine 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 St. Augustine 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 St. Augustine 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 St. Augustine Beach, Florida or the surrounding St. Johns 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 St. Augustine 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 St. Augustine Beach, Florida

St. Augustine Beach, Florida, is conveniently connected by several major roadways and highways that facilitate commuting and travel in the region. The primary highway serving the area is State Road A1A, a scenic route that runs parallel to the coast and connects St. Augustine Beach to other coastal communities. U.S. Route 1 is another significant roadway located a few miles inland, providing a north-south route through the state and linking to nearby St. Augustine city. Although Interstate 95 does not pass directly through St. Augustine Beach, it is accessible within a short drive westward, offering a major arterial route for long-distance travel and trucking along the East Coast. Additionally, State Road 312 connects A1A to US-1 and I-95, serving as a vital link for local traffic and access to the interior of Florida. Overall, these roadways form an essential network supporting the mobility needs of residents, visitors, and commercial transport in and around St. Augustine Beach.

Nearby Towns We Also Serve

In addition to St. Augustine Beach, we also serve several nearby communities, including the historic city of St. Augustine, the scenic town of Ponte Vedra Beach, the charming area of Vilano Beach, as well as the bustling city of Palm Coast. We extend our services to other neighboring towns like Hastings and Elkton, ensuring that residents throughout the region can easily access what they need.

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Whether you're in St. Augustine 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 St. Augustine Beach, Florida

St. Augustine Beach, Florida, is a charming coastal town located on the northeastern coast of Florida. Known for its beautiful beaches, historic landmarks, and laid-back atmosphere, St. Augustine Beach is a popular destination for tourists and residents alike. Major roadways in St. Augustine Beach include State Road A1A, which runs along the coast and provides easy access to the town’s many attractions. Other major roadways include State Road 312, which connects St. Augustine Beach to nearby cities like St. Augustine and Ponte Vedra Beach.Driving conditions in St. Augustine Beach are generally good, with well-maintained roads and relatively low levels of traffic congestion. However, like many coastal towns in Florida, St. Augustine Beach can experience heavy traffic during peak tourist seasons, especially in the summer months.DUI convictions are taken very seriously in St. Augustine Beach, as they are across the state of Florida. Law enforcement agencies in the area actively enforce DUI laws, with regular sobriety checkpoints and increased patrols during high-risk times like holidays and special events.Traffic enforcement in St. Augustine Beach is primarily handled by the St. Augustine Beach Police Department, which works to ensure the safety of both residents and visitors on the town’s roadways. In addition to DUI enforcement, officers also focus on speeding, reckless driving, and other traffic violations to help prevent accidents and keep the community safe.The lifestyle in St. Augustine Beach is relaxed and laid-back, with a strong emphasis on outdoor activities like beachcombing, surfing, and fishing. Residents and visitors alike enjoy spending time in the town’s many parks and green spaces, or strolling along the bustling boardwalk that runs along the beach.Demographics in St. Augustine Beach skew slightly older, with a median age of around 50 years old. The town has a population of just over 6,000 residents, many of whom are retirees or second-homeowners. The majority of residents in St. Augustine Beach are White, with a smaller percentage of Hispanic and African American residents.Economically, St. Augustine Beach relies heavily on tourism, with many of the town’s businesses catering to visitors. In addition to hotels, restaurants, and shops, the town also has a burgeoning arts and cultural scene, with galleries, museums, and theaters attracting both locals and tourists. Overall, St. Augustine Beach is a vibrant community with a strong sense of history and community spirit, making it a popular destination for those looking to enjoy the