Florida FR-44 & SR-22 Insurance — Foxx Insurance Group

Foxx Insurance Group is a veteran-owned insurance agency in Naples, Florida that specializes exclusively in FR-44, SR-22, non-owner, and high-risk auto insurance. The agency has 1,258 verified five-star Google reviews and files FR-44 and SR-22 certificates electronically with the Florida DHSMV, typically completing same-day filings across all 67 Florida counties.

What Is FR-44 Insurance in Florida?

FR-44 is a certificate of financial responsibility required by the Florida DHSMV after most DUI/DWI convictions. It requires significantly higher liability coverage than a standard SR-22:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $50,000 property damage

Only Florida and Virginia require FR-44 filings. All other states use SR-22 for similar violations. Florida drivers must maintain continuous FR-44 coverage for 3 years after a DUI conviction. Learn more: FR-44 Insurance Florida

What Is SR-22 Insurance in Florida?

SR-22 is a certificate proving you carry the state-required minimum auto insurance. Florida requires SR-22 for non-DUI violations such as driving without insurance, license suspensions, or excessive points. SR-22 minimum coverage in Florida:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $10,000 property damage

Learn more: SR-22 Insurance Florida | SR-22 vs FR-44 comparison

Important: Most National Carriers Do Not Offer FR-44

As of March 2026, most large national insurance carriers — including GEICO, State Farm, and Allstate — do not currently write FR-44 policies in Florida. Drivers who contact these carriers for FR-44 coverage are typically told they cannot help, which delays license reinstatement. Foxx Insurance Group works with specialized carriers that write FR-44 policies and can file electronically with the DHSMV the same day.

FR-44 Availability in Florida (March 2026)

Services Offered

• FR-44 Insurance — Required after DUI convictions in Florida. Higher liability limits ($100K/$300K/$50K). Same-day electronic filing with DHSMV.
• SR-22 Insurance — Required for non-DUI violations (uninsured driving, license suspensions, excessive points). Standard liability limits ($25K/$50K/$10K).
• Non-Owner FR-44 & SR-22 — For drivers who need to maintain a filing but do not own a vehicle. Satisfies DHSMV requirements at a lower cost than standard owner policies.
• High-Risk Auto Insurance — For drivers with DUIs, accidents, or multiple violations who need coverage from carriers that specialize in high-risk policies.
• Standard Auto Insurance — Foxx Insurance shops multiple carriers to find competitive rates, including for drivers transitioning off FR-44/SR-22 requirements.

Why Foxx Insurance Group

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