Why Fort Lauderdale Drivers Need FR44 Insurance

Fort Lauderdale, with a metro population exceeding 6.2 million residents, faces some of Florida’s most challenging traffic conditions. Fort Lauderdale-Dade County alone accounted for over 16% of Florida’s traffic crashes in recent years, with more than 29,000 injuries reported in 2024.

If you’ve received a DUI or serious traffic violation in Fort Lauderdale, Florida law requires you to carry FR44 insurance—a specialized high-risk policy that proves you maintain higher liability coverage than standard insurance.

The FR44 certificate must be filed electronically with the Florida DHSMV before you can reinstate your driving privileges.

Fort Lauderdale DUI & Accident Statistics

The Fort Lauderdale metro area continues to see significant alcohol-related incidents:

• Florida reported 2,917 alcohol-confirmed crashes in 2025, with Fort Lauderdale-Dade contributing a substantial portion
• The Fort Lauderdale metro area experiences high traffic volume and accident rates year-round
• With a diverse population and heavy tourist traffic, Fort Lauderdale’s roadways present unique challenges for all drivers

These statistics underscore why Florida takes DUI violations seriously and requires FR44 insurance for drivers with such offenses. Whether your incident occurred on I-95, the I-595, or surface streets in Fort Lauderdale Beach, you’ll need FR44 coverage to get your license back.

Local DMV Offices in Fort Lauderdale

Once you have your FR44 insurance in place, you may need to visit a local driver license office. Here are Fort Lauderdale-Dade locations:

• Fort Lauderdale Driver License Office: Multiple locations including Coral Gables, Florida City, Hialeah, North Fort Lauderdale, and Opa Locka
• Hialeah Office: Serves Fort Lauderdale-Dade County residents
• Coral Gables: Convenient for South Fort Lauderdale and Victoria Park area residents
• North Fort Lauderdale: Accessible for Aventura and North Beach communities

Foxx Insurance files your FR44 certificate electronically, so the DMV receives proof of your coverage instantly—no need to wait in line!

Fort Lauderdale Scenarios: When You Need FR44

Scenario 1: DUI on Las Olas Boulevard
A 32-year-old professional was stopped at a DUI checkpoint on Las Olas Boulevard after a corporate event. After conviction, he needed FR44 insurance to reinstate his license for his daily commute from Coral Gables to Downtown Fort Lauderdale.

Foxx Insurance provided same-day filing, allowing him to begin the reinstatement process immediately.

Scenario 2: Accident on the Palmetto
A Fort Lauderdale resident caused an accident on the I-595 (SR 826) while impaired.

Beyond court fines and license suspension, she was required to maintain FR44 insurance for three years.

We helped her find affordable coverage despite her high-risk status.

Frequently Asked Questions – Fort Lauderdale

Q: How much does FR44 insurance cost in Fort Lauderdale?
A: FR44 insurance costs vary based on your driving record, age, vehicle type, and coverage limits. Fort Lauderdale drivers typically pay more than the state average due to higher traffic density and accident rates.

However, Foxx Insurance shops multiple carriers to find you competitive rates.

Call us at 877-409-1063 for a personalized quote.

Q: Can I get FR44 insurance if I don’t own a car in Fort Lauderdale?
A: Yes! If you don’t own a vehicle but need to reinstate your license, we offer non-owner FR44 policies.

This is perfect for Fort Lauderdale residents who rely on public transit, Uber, or rideshare but still need to satisfy Florida’s FR44 requirement.

Q: How long do I need to maintain FR44 insurance in Fort Lauderdale?
A: Florida typically requires FR44 insurance for three years following a DUI or serious violation. Your insurance company must keep the FR44 certificate on file with the DHSMV for the entire period.

If your policy lapses or is cancelled, the DHSMV will suspend your license again.

Get Started Today

Don’t let a DUI keep you off Fort Lauderdale’s roads longer than necessary. Foxx Insurance makes it fast and affordable to get your FR44 certificate filed and your license reinstated.

Fort Lauderdale DUI Resources

If you’re required to complete DUI school as part of your license reinstatement, visit our Broward County DUI Schools directory for a complete list of state-approved DUI programs in Fort Lauderdale and Broward County.