FR44 Insurance in Surfside, Florida

Serving Drivers in Miami-Dade County and Across Florida

Getting FR44 insurance in Surfside, 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 Surfside, 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 Surfside, 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 Surfside, 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 Surfside, 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 Surfside, Florida

Surfside, Florida, is conveniently located near several major roadways that facilitate easy commuting and travel. The primary route is Collins Avenue (State Road A1A), which runs through the heart of Surfside and offers direct access to Miami Beach to the south and Bal Harbour to the north. Just a short drive west, Interstate 95 (I-95) serves as a major north-south highway connecting with the broader Miami metropolitan area and beyond, making it a critical route for long-distance travel and trucking. Biscayne Boulevard (US Route 1), located a bit further west, is another key artery providing access through various parts of Miami-Dade County. Additionally, Harding Avenue complements Collins Avenue by offering an alternative for local travel within the area. These roadways collectively ensure that Surfside is well connected to both local and interstate traffic networks, accommodating the needs of daily commuters, tourists, and commercial transportation.

Nearby Towns We Also Serve

In addition to Surfside, Florida, we also serve the nearby communities of Bal Harbour, Bay Harbor Islands, Miami Beach, North Miami, Aventura, Sunny Isles Beach, and Miami Shores. These towns and cities are conveniently located within a 30-mile radius, making them ideal for commuting and daily errands.

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Whether you're in Surfside, 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 Surfside, Florida

Surfside, Florida: A Town of Sun, Sand, and SafetySurfside, a small town located in Miami-Dade County, Florida, is a hidden gem along the state’s picturesque coastline. Boasting beautiful beaches, upscale shopping, and a strong sense of community, Surfside offers residents and visitors a unique blend of relaxation and excitement.One of the defining features of Surfside is its stunning coastline, which stretches for miles along the Atlantic Ocean. The town is known for its pristine white sand beaches and crystal-clear waters, making it a popular destination for sunbathers and surfers alike. In addition to the beaches, Surfside also offers a variety of water sports and outdoor activities, such as paddleboarding, kayaking, and fishing.Surfside is conveniently located near several major roadways, including the Collins Avenue and Harding Avenue, making it easy for residents and visitors to travel throughout the town and beyond. The town’s central location also allows for easy access to nearby attractions, such as Miami Beach, Bal Harbour, and Aventura Mall.In terms of driving conditions, Surfside prides itself on maintaining safe and orderly roads for residents and visitors alike. The town has a strong emphasis on traffic enforcement, with local law enforcement working diligently to ensure that drivers adhere to speed limits and traffic laws. As a result, Surfside boasts relatively low rates of accidents and traffic violations compared to other areas in Florida.One issue that Surfside takes seriously is driving under the influence (DUI). The town has strict laws and penalties in place for individuals caught driving while impaired, with hefty fines, license suspension, and even jail time being common consequences for offenders. As a result, the rate of DUI convictions in Surfside is relatively low compared to other towns in the region.In terms of lifestyle, Surfside offers a unique blend of beachfront living and urban convenience. The town is home to a diverse population, with residents ranging from young professionals to retirees. The town’s vibrant community events, such as farmers markets, art festivals, and outdoor concerts, help foster a strong sense of community among residents.Demographically, Surfside is a relatively affluent town, with a median household income well above the national average. The town boasts a high standard of living, with upscale shops, restaurants, and amenities catering to the needs of its residents. Despite its affluence, Surfside maintains a laid-back and welcoming atmosphere, making it a desirable place to live or visit.