FR44 Insurance Florida: Same-Day Filing & Affordable Rates
If you’ve been convicted of a DUI or serious traffic violation in Florida, you’re required to carry an FR44 certificate — a special form of financial responsibility insurance with higher liability limits than standard auto insurance. At Foxx Insurance, we specialize in helping Florida drivers get FR44 coverage quickly and affordably, often with same-day filing.
What Is FR44 Insurance in Florida?
An FR44 is a certificate of financial responsibility required by the Florida Department of Highway Safety and Motor Vehicles (DHSMV). Unlike the more common SR22, which is used in most other states, the FR44 is unique to Florida and Virginia and requires significantly higher coverage limits.
Florida requires FR44 filers to carry:
- $100,000 Bodily Injury per person
- $300,000 Bodily Injury per accident
- $50,000 Property Damage per accident
Compare that to Florida’s standard minimum requirements of $10,000/$20,000/$10,000 — the FR44 requires 10x the bodily injury coverage. This is why FR44 insurance costs more than a standard policy.
Who Needs FR44 Insurance in Florida?
You’ll need an FR44 filing if you’ve been convicted of any of the following in Florida:
- DUI (Driving Under the Influence) — the most common reason for an FR44 requirement
- DWI (Driving While Intoxicated)
- Refusal to submit to a breath, blood, or urine test
- Certain drug-related driving offenses
Once convicted, the Florida DHSMV will require you to maintain FR44 insurance for a minimum of 3 years before you can reinstate your standard insurance policy.
How Much Does FR44 Insurance Cost in Florida?
FR44 insurance in Florida typically costs between $150 and $400 per month, depending on several factors:
- Driving record — number and severity of violations
- Age and gender — younger drivers generally pay more
- Vehicle type — sports cars and luxury vehicles cost more to insure
- Location — urban areas like Miami, Tampa, and Orlando tend to have higher rates
- Coverage level — while the FR44 sets minimums, you may want additional coverage
- Insurance company — rates vary significantly between carriers
At Foxx Insurance, we work with multiple carriers that specialize in high-risk auto insurance, which means we can shop your rate to find the most affordable FR44 coverage available to you.
How to Get FR44 Insurance in Florida
Getting FR44 insurance doesn’t have to be complicated. Here’s the process:
- Contact Foxx Insurance — call us at (239) 228-2345 or request a quote online
- We’ll gather your information — we’ll need your driver’s license number, violation details, and vehicle information
- We shop multiple carriers — we compare rates from several high-risk insurance companies to find your best price
- We file your FR44 electronically — once you choose a policy, we file the FR44 certificate directly with the Florida DHSMV
- You get confirmation — the DHSMV receives your filing, usually within 24-48 hours
Many of our clients are able to get their FR44 filed the same day they call.
How Long Do You Need FR44 Insurance in Florida?
Florida requires you to maintain your FR44 insurance for a minimum of 3 consecutive years from the date of reinstatement. During this period:
- You must keep your policy active and paid at all times
- If your policy lapses or is canceled, your insurance company is required to notify the DHSMV
- A lapse will result in an immediate license suspension and may restart your 3-year requirement
- After 3 years of continuous coverage, you can request the FR44 requirement be removed
What Happens If Your FR44 Insurance Lapses?
Letting your FR44 insurance lapse in Florida has serious consequences:
- Automatic license suspension — the DHSMV will suspend your license immediately upon notification
- Reinstatement fees — you’ll need to pay additional fees to get your license back
- Clock restart — your 3-year FR44 requirement may start over from the date you reinstate
- Higher rates — a lapse on your record typically results in even higher insurance premiums
This is why we strongly recommend setting up automatic payments on your FR44 policy to avoid any gaps in coverage.
FR44 vs SR22: What’s the Difference?
Many people confuse FR44 and SR22 insurance because they serve a similar purpose. Here’s how they differ:
| FR44 (Florida) | SR22 (Most States) | |
|---|---|---|
| States | Florida & Virginia only | Most other states |
| Required For | DUI/DWI convictions | Various violations |
| Bodily Injury Limits | $100,000/$300,000 | Varies by state |
| Property Damage | $50,000 | Varies by state |
| Duration | 3 years | Typically 3 years |
| Cost | Higher (due to higher limits) | Lower |
If you’re not sure whether you need an FR44 or SR22, contact us and we’ll help you figure out exactly what’s required.
Non-Owner FR44 Insurance in Florida
Don’t own a vehicle? You still need FR44 insurance if the state requires it. A non-owner FR44 policy provides the required liability coverage when you drive vehicles you don’t own (rentals, borrowed cars, etc.).
Non-owner FR44 policies are typically less expensive than standard FR44 policies since they don’t include comprehensive or collision coverage. Learn more about non-owner insurance.
Frequently Asked Questions About FR44 Insurance in Florida
How much does FR44 insurance cost in Florida?
FR44 insurance in Florida typically costs between $150 and $400 per month, depending on your driving record, age, vehicle, and location. Foxx Insurance shops multiple carriers to find you the most affordable rate available.
How long is FR44 required in Florida?
Florida requires you to maintain FR44 insurance for a minimum of 3 consecutive years from the date your license is reinstated. Any lapse in coverage may restart the 3-year clock.
What is FR44 insurance?
FR44 is a certificate of financial responsibility required by Florida (and Virginia) for drivers convicted of DUI or certain serious traffic violations. It requires higher liability limits than standard insurance: $100,000/$300,000 bodily injury and $50,000 property damage.
Can I get FR44 insurance the same day?
Yes! Foxx Insurance offers same-day FR44 filing. Call us at (239) 228-2345 or request a quote online, and we can typically get your FR44 filed with the Florida DHSMV within hours.
What happens if my FR44 insurance lapses in Florida?
If your FR44 insurance lapses, your insurance company will notify the DHSMV, and your license will be immediately suspended. You’ll need to pay reinstatement fees, and your 3-year FR44 requirement may start over.
Why Choose Foxx Insurance for FR44 in Florida?
- FR44 specialists — it’s what we do every day
- Same-day filing — don’t wait days or weeks to get back on the road
- Multiple carriers — we shop your rate to find the best price
- No judgment — we understand that life happens, and we’re here to help
- Licensed in Florida — we know the state requirements inside and out
- 1,200+ Google reviews — our customers trust us, and you can too
Get Your FR44 Quote Today
Ready to get your FR44 insurance in Florida? Call Foxx Insurance at (239) 228-2345 or request a free quote online. We’ll get you covered and filed — fast.
Get Your FR44/SR22 Insurance Today
Call 877-409-1063 now for a free quote and same-day filing. Our licensed agents are ready to help you get back on the road legally and affordably.