FR44 Insurance Florida: What It Covers, How Much It Costs, and How to File
If you’ve been told you need FR44 insurance in Florida, chances are you’ve had a DUI or another serious driving offense. That can feel overwhelming—but don’t worry, we’re here to walk you through it.
This guide covers everything you need to know about FR44 insurance in Florida for 2025. You’ll learn who needs it, how much it costs, how to file, and how long you’ll need to keep it. Let’s dive in.
Who Needs FR44 Insurance in Florida?
Florida requires FR44 insurance when you’ve been convicted of specific serious violations, including:
- DUI (driving under the influence)
- DWI (driving while intoxicated)
- Driving with a suspended or revoked license (in some cases)
- Driving without required insurance after a DUI
The court or the Florida DMV typically orders FR44 coverage. Your insurance company then files the form on your behalf.
What’s the Difference Between FR44 and SR22?
It’s easy to mix these two up. Here’s how they differ:
- SR22 applies to lesser violations such as driving without insurance or repeated traffic offenses.
- FR44 applies to DUI or DWI offenses and comes with higher liability requirements.
In Florida, FR44 insurance requires at least:
- $100,000 in bodily injury coverage per person
- $300,000 per accident
- $50,000 in property damage coverage
How to File FR44 in Florida
Thankfully, filing an FR44 form is straightforward when you work with the right agent. Here’s what you’ll need to do:
- Reach out to a licensed insurer like Foxx Insurance that can handle FR44 filings in Florida.
- Purchase a policy that meets Florida’s FR44 requirements.
- Ask your insurer to file the FR44 form electronically with the Florida DMV.
- Once the state processes it, you’ll be eligible to reinstate your license.
Reminder: Only an insurer can file an FR44. You can’t submit it directly to the state yourself.
How Much Does FR44 Insurance Cost in Florida?
FR44 insurance generally costs more than standard coverage. Here’s why:
- Filing fee: Around $15 to $25
- Premium increase: Since FR44 is tied to serious offenses, your insurance rate may double or even triple
In addition, your age, driving record, location, and vehicle type all play a role in your final premium.
→ Get a personalized FR44 quote to see where you stand.
How Long Do You Need to Carry FR44 in Florida?
Most Florida drivers must carry FR44 insurance for three years following their license reinstatement.
It’s critical to maintain coverage during this period. If you cancel or miss a payment, your insurer will notify the DMV. As a result, your license could be suspended again.
Can You Get FR44 Insurance Without a Car?
Yes! If you don’t own a vehicle, you can still meet the state requirement by getting a non-owner FR44 policy. It’s often cheaper and still satisfies Florida law.
Get FR44 Insurance in Florida with Foxx Insurance
At Foxx Insurance, we help real people navigate FR44 filings every day. Whether you’re dealing with your first DUI or you’ve been through this before, we’ll make the process simple and affordable.
- ✔️ We file FR44 forms statewide
- ✔️ Flexible monthly payment options
- ✔️ No surprise fees or judgment
Frequently Asked Questions
What happens if I move out of Florida?
You may still need to keep your FR44 policy active for the full term, depending on the DMV’s requirements. Some states will honor your Florida FR44 filing, but check with your new DMV and your insurer.
Can I cancel FR44 early?
Usually not. Unless the Florida DMV officially removes the requirement, you’ll need to keep the policy active for the entire three-year term.
Why is FR44 insurance so expensive?
FR44 is tied to serious offenses and requires higher liability coverage. That combination increases your risk profile, which causes insurance premiums to rise.