Instant Florida FR-44 Filings
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Need a Florida FR-44 fast? Our licensed agents specialize in immediate filings to reinstate your license. Low down payments and 2026's newest rates.
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What Is an FR-44 in Florida?
An FR-44 is a certificate of financial responsibility required by the Florida Department of Highway Safety and Motor Vehicles (DHSMV) after certain serious driving violations, including DUI convictions. It proves you carry higher-than-minimum liability insurance coverage.
Florida's FR-44 requirement is stricter than most states' SR-22: you must carry $100,000/$300,000 bodily injury liability and $50,000 property damage — roughly double the standard minimums. This typically raises premiums to $1,500–$3,000/year.
⚠️ FR-44 vs SR-22 — Key Difference
Florida uses FR-44 (not SR-22) for DUI-related reinstatements. SR-22 is used for other violations. Make sure you know which one you need — filing the wrong one delays your reinstatement.
When FR-44 Is Required
- DUI or DWI conviction
- Driving under influence of drugs
- Refusal of breathalyzer test
- Second or subsequent DUI offense
FR-44 Requirements
- $100,000/$300,000 bodily injury liability
- $50,000 property damage liability
- Must be maintained for 3 years
- Filed electronically by your insurer
How to Get Your FR-44 Filed Fast
Call a Licensed Agent
Call our team — we specialize in FR-44 filings and can get you quoted in 2 minutes.
Get Your Policy
We find the lowest-cost policy that meets FR-44 requirements. Low down payments available.
Electronic Filing
Your insurer files the FR-44 electronically with DHSMV — often same day.
License Reinstated
Once DHSMV processes the filing, your license reinstatement can proceed.
Don't Wait — Get Filed Today
Every day without your license costs you. Our agents can get your FR-44 filed same-day.
FR-44 Florida FAQ
How long do I need to carry FR-44 insurance in Florida?
Florida requires FR-44 for 3 years from the date of your license reinstatement. If your policy lapses at any point, the clock resets.
Can I get non-owner FR-44 insurance if I don't own a car?
Yes. Non-owner FR-44 policies are available and are often the cheapest way to satisfy Florida's legal requirement if you don't own a vehicle.
How much does FR-44 insurance cost in Florida?
FR-44 policies typically cost $1,500–$3,000/year depending on your driving record, age, and the insurer. Rates dropped an average of 8% in 2026 due to Florida legislative reforms.
What happens if my FR-44 insurance lapses?
Your insurer is required to notify DHSMV immediately if your policy lapses. Your license will be suspended again and you'll need to restart the 3-year requirement.