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★★★★★
"Found coverage $40/month cheaper than what I was paying. Took maybe 3 minutes."
James T.
Denver, CO
FR-44 Insurance in Florida After a DUI
Compare Florida FR-44 plans — get back on the road after a DUI with the right coverage.
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About FR-44 Insurance in Florida
Florida's FR-44 is a stricter version of the standard SR-22 certificate, required specifically after DUI convictions. Unlike an SR-22 (which just certifies minimum coverage), FR-44 requires carrying significantly higher liability limits: $100,000 per person, $300,000 per accident, and $50,000 property damage — well above Florida's normal minimums. The FR-44 must be maintained for 3 years continuously with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
Any lapse triggers immediate notification and license re-suspension. Because FR-44 mandates higher coverage than standard policies, it costs more — but the rate gap between carriers who actively underwrite DUI risk versus those who don't is substantial. Comparing your options is the most effective way to minimize the cost.
FR-44 filing included — get legally back on Florida roads fast
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Frequently Asked Questions
What is FR-44 insurance in Florida and who needs it?
FR-44 is a certificate of financial responsibility required by FLHSMV after a DUI conviction in Florida. It certifies that you carry higher-than-minimum liability coverage: $100k/$300k/$50k. It's filed by your insurer electronically.
How long do I need FR-44 in Florida?
Florida requires FR-44 for 3 years from the date your license is reinstated after a DUI. Any gap in coverage — even a single day — resets the clock and results in immediate license re-suspension.
How much does FR-44 insurance cost in Florida?
FR-44 insurance in Florida typically runs $130–$185/mo due to the higher liability limits required and the DUI surcharge applied by most carriers. Comparing carriers can reveal meaningful differences in how each prices DUI risk.
What's the difference between FR-44 and SR-22 in Florida?
SR-22 in Florida certifies minimum state liability coverage and is required for non-DUI violations. FR-44 is specifically for DUI convictions and requires much higher liability limits ($100k/$300k/$50k vs the standard $10k/$20k/$10k minimum).
Can I get FR-44 insurance same-day in Florida?
Yes. Florida carriers file FR-44 certificates electronically with FLHSMV. Most filings are processed the same day your policy activates, allowing you to begin the license reinstatement process immediately.
What customers say
★★★★☆
"Had an SR-22 requirement and was dreading the process. FluxQuote made it painless."
Carlos R.
Phoenix, AZ
★★★★★
"Great tool. Compared 5 plans side by side and picked the one that fit my budget."
Linda K.
Minneapolis, MN
