2025 Guide |The General FR‑44 Insurance in Florida
What Is FR‑44 Insurance & Who Needs It?
FR‑44 is a court-ordered auto insurance certificate required in Florida after serious driving infractions—like DUIs—or accidents. Typically, individuals must carry:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
This often involves higher premiums and a multi-year filing requirement.
Why Choose The General for FR44 Coverage?
- High-risk expertise: The General specializes in helping drivers with past infractions get insured.
- FR44 filing assistance: Their team ensures all forms are properly submitted to the state.
- Flexible policy options: Owner and non-owner policies available.
- Florida-based service: Licensed throughout the state with a focus on compliance.
Looking for the Cheapest FR44 Insurance in Florida?
There’s no single cheapest provider for everyone. Rates depend on your age, driving record, vehicle type, location, and more. That said, here’s how to lower your costs when filing an FR44:
- Compare quotes from multiple companies, including The General
- Ask about non-owner policies if you don’t own a vehicle
- Look into bundling with renters or motorcycle insurance
- Maintain a clean driving record for future discounts
| Feature | The General | Other Insurers |
|---|---|---|
| Specializes in high-risk drivers | Yes | Not always |
| FR44 filing support | Included | Varies |
| Non-owner policy option | Yes | Depends on provider |
| Florida license support | Yes | Yes |
Does The General offer non-owner FR44 policies in Florida?
Yes. If you don’t own a car, The General can issue a non-owner FR44 policy that fulfills Florida’s legal requirements.
How long do I need FR44 insurance?
Most drivers are required to maintain FR44 coverage for at least 3 years, depending on the severity of the offense and any court orders.
Can I switch insurance companies while carrying an FR44?
Yes, but make sure the new company files your FR44 without interruption, or your license may be suspended again.
How to Get Started
To explore whether The General offers the best FR44 insurance for you, request a quote and speak with a licensed agent familiar with Florida's FR44 requirements. You can also compare options to see if another company may better fit your needs.
Need help choosing a policy? Contact us for guidance on FR44 insurance in Florida, including non-owner options, reinstatement steps, and tips to lower your long-term costs.
