Got a DUI in Miami-Dade County? You need FR44 insurance to get your license back. We specialize in finding the cheapest FR44 quotes for Miami drivers — and we file electronically with the DHSMV the same day you call.
📞 1-775-790-6430 💻 Get Online QuoteMiami-Dade County consistently ranks among Florida's highest for DUI arrests. Between the nightlife on South Beach, the bar scene in Brickell, and the long commutes on I-95 and the Palmetto Expressway, thousands of Miami residents find themselves facing DUI convictions each year. When that happens, the Florida Department of Highway Safety and Motor Vehicles (DHSMV) requires you to carry FR44 insurance before your license can be reinstated.
The Miami-Dade County court system processes DUI cases through the Richard E. Gerstein Justice Building at 1351 NW 12th Street, as well as satellite courthouses in South Dade and Hialeah. Regardless of which courtroom your case was heard in, the FR44 requirement applies statewide once a conviction is on your record.
If you've recently been convicted of a DUI in Miami — whether it happened on the MacArthur Causeway, Calle Ocho, or anywhere in the county — you're probably wondering how to navigate the FR44 process. That's exactly what we do. FR44 & SR22 Experts has been helping Florida drivers for over 15 years, and we've worked with thousands of Miami-Dade residents to get them back on the road legally and affordably.
Unlike a standard auto insurance policy, FR44 requires significantly higher liability coverage limits. Most Miami drivers are shocked when their regular insurer either can't write an FR44 policy or quotes an astronomical price. That's where we come in — we specialize exclusively in FR44 and SR22 filings, which means we know which carriers offer the best rates for Miami zip codes.
FR44 is a Florida-specific certificate of financial responsibility required after certain serious traffic offenses — primarily DUI convictions. Think of it as proof that you carry significantly higher auto insurance limits than what Florida normally requires.
Normal Florida auto insurance requires just $10,000/$20,000/$10,000 in liability coverage. FR44 bumps that up to $100,000/$300,000/$50,000 — that's 10 times the bodily injury coverage and 5 times the property damage coverage. This is Florida's way of ensuring that drivers with DUI convictions carry enough coverage to protect other motorists.
You'll need FR44 insurance if you've been convicted of:
The FR44 requirement is separate from any criminal penalties, fines, DUI school, or community service ordered by the Miami-Dade court. You must satisfy the FR44 requirement with the DHSMV before they'll reinstate your driving privileges.
You must maintain FR44 insurance for 3 consecutive years from the date your license is reinstated. Not 3 years from your conviction — 3 years from reinstatement. If your coverage lapses at any point during those 3 years, the DHSMV will re-suspend your license and restart the clock. Many Miami drivers don't realize this until it's too late. Keeping your FR44 policy active and paid is critical.
While you don't need to visit a DHSMV office to get FR44 insurance — we handle the filing electronically — you may need to visit one to complete your license reinstatement, pay reinstatement fees, or obtain a new license. Here are the DHSMV offices serving Miami-Dade County:
| Office | Address | Notes |
|---|---|---|
| Miami-Dade (North) | 14500 NW 2nd Ave, Miami, FL 33168 | Full-service; licenses, reinstatements, titles |
| Miami-Dade (Coral Reef) | 15120 SW 136th St, Suite 10, Miami, FL 33196 | South Dade location; often shorter wait times |
| Hialeah | 501 E 9th St, Hialeah, FL 33010 | Serves Hialeah, Miami Springs, and surrounding areas |
| Miami-Dade (Flagler) | 7795 W Flagler St, Suite 30, Miami, FL 33144 | Central Miami; accessible from Dolphin Expressway |
| North Miami Beach | 800 NE 167th St, Suite 101, North Miami Beach, FL 33162 | Serves NE Dade; near Aventura |
Pro tip: Before visiting, make sure your FR44 has been filed and processed. We file electronically the same day, but DHSMV processing can take 24-48 hours to reflect on your record. Showing up before the filing is processed means a wasted trip.
We've streamlined the FR44 process so Miami drivers can get back on the road as quickly as possible. No confusing paperwork, no office visits, no waiting weeks for processing.
Call 1-775-790-6430 or visit our online quote page. We'll ask a few questions about your situation, driving history, and whether you own a vehicle. Takes about 5 minutes.
We shop multiple Florida insurance carriers that write FR44 policies in Miami-Dade County. Because this is all we do, we know which companies offer the best rates for your specific zip code and driving record.
Once you choose a policy, we file the FR44 certificate electronically with the Florida DHSMV the same day. No mailing paper forms. No waiting. You get confirmation, and the DHSMV updates your record within 24-48 hours.
When you're dealing with a DUI conviction, license suspension, and the stress of getting back to normal life, the last thing you need is an insurance company that doesn't understand FR44. Here's why thousands of Florida drivers — including Miami residents — trust us:
FR44 insurance isn't something most insurance agents deal with regularly. For us, it's our entire business. We've been writing FR44 and SR22 policies in Florida for over 15 years. We understand the DHSMV filing process inside and out, and we know the common pitfalls that trip up Miami drivers — like making sure your filing reflects your correct license number, or timing your filing with your court-ordered reinstatement date.
Because we focus exclusively on high-risk insurance, we work with carriers that specialize in FR44 policies. We're not a general insurance agency trying to figure out how to file an FR44. We do this hundreds of times a month, and we consistently find rates that beat what Miami drivers get quoted by their regular insurance companies — often by 30-50%.
A DUI already hits your wallet hard between court costs, fines, DUI school, and reinstatement fees. We offer monthly payment plans so you don't need to pay the entire year upfront. And we don't run credit checks — your credit score has nothing to do with getting covered.
Some agencies still mail paper FR44 forms to the DHSMV. That means days or even weeks before your filing is processed. We file electronically, the same day, directly to the DHSMV in Tallahassee. Faster filing means faster reinstatement.
Senior FR44 specialist with deep knowledge of Miami-Dade requirements
Expert in finding the lowest rates for high-risk Miami drivers
Bilingual specialist — habla español — serving Miami's diverse community
Miami-Dade County is one of the largest and most densely populated counties in Florida, with over 2.7 million residents. The county's extensive road network — from I-95 and the Florida Turnpike to the Dolphin Expressway and US-1 — sees heavy traffic volume and, unfortunately, a high number of DUI incidents.
After a DUI arrest in Miami-Dade County, the process typically unfolds like this:
Miami-Dade operates a specialized DUI Court program for repeat offenders and cases involving aggravating factors. The county also offers a Back on Track diversion program for some first-time offenders. Regardless of which program you go through, if your license was suspended due to a DUI conviction, FR44 is required for reinstatement.
Miami-Dade County law enforcement, including Miami-Dade Police, City of Miami Police, Coral Gables Police, and the Florida Highway Patrol, regularly conduct license and insurance checkpoints. Driving without valid FR44 insurance when required means you're driving on a suspended license — a criminal offense that can lead to:
FR44 insurance in Miami typically ranges from $80 to $300 per month depending on your driving record, vehicle type, and chosen coverage limits. Miami-Dade County rates can vary due to the area's higher traffic density and accident frequency. We shop multiple carriers to find you the cheapest rate available for your specific Miami zip code. Call 1-775-790-6430 for your personalized quote.
You don't file FR44 yourself at a DMV office. Your insurance company files the FR44 certificate electronically with the Florida DHSMV on your behalf. We handle the entire filing process the same day you purchase your policy — no paperwork, no office visits. The DHSMV in Tallahassee processes the filing, and you can verify the update at any Miami-Dade DHSMV location.
Absolutely. Many Miami residents don't own vehicles and rely on Metrorail, Metrobus, or rideshare services. If you need FR44 to reinstate your license but don't own a car, a non-owner FR44 policy is available. It covers you when driving borrowed or rented vehicles and typically costs less than a standard FR44 policy tied to a specific car.
We file your FR44 electronically the same day. The DHSMV typically processes electronic filings within 24-48 hours. Paper filings sent by mail can take 7-10 business days or longer. This is why we always recommend electronic filing — it gets you back on the road faster.
This is extremely common. Most standard auto insurance carriers — GEICO, State Farm, Progressive — either don't write FR44 policies or charge significantly more because it's outside their normal business. We work with carriers that specialize in FR44 filings for Miami-Dade County and all of Florida, which is why our rates are consistently lower.
No. Until your FR44 is filed and your license is officially reinstated by the DHSMV, driving is illegal — even to work. Florida does offer hardship licenses in some cases, but you must apply through the DHSMV and meet specific criteria. We can help you understand your options and get your FR44 filed as quickly as possible to minimize downtime.
FR44 is tied to your driving record, not the county where the offense happened. If you live in Miami-Dade County, your FR44 policy will use your Miami address for rating purposes, but the filing goes to the state DHSMV in Tallahassee regardless. We handle FR44 for all of Florida — the county of your offense doesn't affect how we process your policy.
Yes. We have bilingual team members, including Michell Velasquez, who can assist you in Spanish. Miami's diverse community deserves accessible service, and we're committed to making the FR44 process clear and easy regardless of language preference. Llámenos al 1-775-790-6430.
If your FR44 policy lapses — even for a single day — the insurance carrier notifies the DHSMV, and your license will be suspended again. The 3-year FR44 clock restarts from your new reinstatement date. You'll also have to pay reinstatement fees again. This is why keeping your monthly payments current is critical. We offer flexible monthly payment plans to help prevent lapses.
No. FR44 and SR22 are different filings. FR44 is specific to Florida and requires higher coverage limits ($100,000/$300,000/$50,000). SR22 is used in most other states and requires the state's minimum liability limits. If you have a Florida DUI, you need FR44 — not SR22. Some insurance agents confuse the two, which is another reason to work with specialists like us who deal with FR44 exclusively.
