If you’ve been convicted of a DUI in Florida and need FR44 insurance, one of the first questions you’ll have is: how long do I need to carry it?
Florida FR44 Filing Period
In Florida, you’re required to maintain FR44 insurance for a minimum of 3 years from the date your driving privileges are reinstated. This isn’t 3 years from your conviction — it starts when your license is actually restored.
What Happens During the 3-Year Period?
During this time, your insurance company must notify the Florida DHSMV if your policy lapses, is canceled, or expires. If your coverage drops for even one day, your license will be suspended again, and the 3-year clock resets.
Can the Period Be Extended?
Yes. If your FR44 lapses at any point during the 3-year requirement, the clock starts over. This means a momentary gap in coverage could add years to your filing requirement. Always maintain continuous coverage.
What Happens After 3 Years?
Once you’ve maintained continuous FR44 coverage for the full 3 years, your insurance company will file an SR-26 form with the DHSMV confirming the requirement has been satisfied. You can then switch to a standard auto insurance policy, which will likely be significantly cheaper.
Tips to Get Through the FR44 Period
- Set up autopay to avoid accidental lapses
- Shop around — rates vary significantly between carriers
- Consider only moving DUI-related vehicles to high-risk carriers (not all your vehicles)
- Bundle policies when possible
Need Help with FR44 Insurance?
Foxx Insurance specializes in FR44 filings and can help you find the most affordable coverage. We focus on saving you money — not just selling you a policy. Call us at 877-409-1063 for a free quote.