How to Get FR44 Insurance in Florida: Step-by-Step
If you’ve been convicted of a DUI in Florida, you’ll need FR44 insurance before you can get your license reinstated. The process can feel overwhelming, but it’s actually straightforward when you know the steps. Here’s exactly how to get FR44 insurance in Florida.
Step 1: Understand What You Need
After a DUI conviction, the Florida DHSMV (Department of Highway Safety and Motor Vehicles) requires you to file an FR44 certificate. This proves you carry auto insurance with these minimum liability limits:
- $100,000 Bodily Injury per person
- $300,000 Bodily Injury per accident
- $50,000 Property Damage per accident
You’ll need to maintain this coverage for 3 consecutive years. Any lapse restarts the clock.
Step 2: Contact an Insurance Agent Who Specializes in FR44
Not every insurance company offers FR44 coverage. You need an agent who works with high-risk auto insurance carriers. Foxx Insurance specializes in FR44 insurance and works with multiple carriers to find you the best rate.
Call (239) 228-2345 or request a quote online.
Step 3: Provide Your Information
Your agent will need:
- Florida driver’s license number
- Date of DUI conviction
- Details of the offense (first offense, BAC level, etc.)
- Vehicle information (if you own a car — year, make, model, VIN)
- Any other driving violations
- Current address
If you don’t own a vehicle, let your agent know — you’ll qualify for a non-owner FR44 policy, which is significantly cheaper.
Step 4: Compare Quotes
FR44 rates vary dramatically between carriers. The same driver might get quotes ranging from $150/month to $400+/month. At Foxx Insurance, we shop multiple carriers automatically and present you with your best options.
Key things to compare:
- Monthly premium
- Down payment required
- Payment plans available
- Additional coverage options (comprehensive, collision, uninsured motorist)
- Company reputation and claims handling
Step 5: Choose Your Policy and Make Payment
Once you’ve reviewed your options, choose the policy that fits your budget and needs. Most carriers require:
- A down payment (typically first month’s premium or a percentage of the 6-month total)
- Payment method setup for ongoing premiums (auto-pay strongly recommended)
Step 6: Your Agent Files the FR44
Once your policy is active, your insurance company electronically files the FR44 certificate with the Florida DHSMV. You don’t need to visit the DMV or mail anything — it’s all handled electronically.
At Foxx Insurance, we typically file the same day you purchase your policy.
Step 7: Begin License Reinstatement
With your FR44 filed, you can start the license reinstatement process. You’ll need to:
- Verify your FR44 is on file with the DHSMV (usually within 24-48 hours)
- Complete all court-ordered requirements (DUI school, community service, etc.)
- Pay all outstanding fines and reinstatement fees (typically costs that vary+)
- Apply for a hardship license (if eligible during suspension period)
- Wait for full reinstatement after your suspension period ends
Step 8: Maintain Your Coverage for 3 Years
This is critical. For the next 3 years, you must:
- Keep your policy active — no gaps, no lapses
- Make every payment on time — set up auto-pay
- Notify your agent of any changes — new vehicle, new address, etc.
- Don’t switch carriers without ensuring continuous FR44 filing — your new carrier must file before the old one cancels
If your coverage lapses for even one day, your insurer will notify the DHSMV, and your license will be immediately suspended.
Common Questions About Getting FR44 in Florida
How long does it take to get FR44 insurance?
You can get FR44 insurance the same day you apply. Foxx Insurance offers same-day filing — call in the morning, and your FR44 can be filed by the afternoon.
Can I get FR44 insurance online?
You can start the process online by requesting a quote, but you’ll typically need to speak with an agent to finalize the policy and provide required information.
What if my current insurer doesn’t offer FR44?
Many standard insurers (GEICO, State Farm, etc.) don’t offer FR44 coverage. You’ll need to work with a specialist like Foxx Insurance who partners with high-risk carriers that do.
Do I need FR44 if I don’t own a car?
Yes. If the DHSMV requires FR44 insurance, you must carry it regardless of whether you own a vehicle. A non-owner FR44 policy satisfies this requirement at a lower cost.
Can I file FR44 myself without an agent?
No. The FR44 must be filed by a licensed insurance company. You purchase the policy through an agent, and the insurance company files the certificate with the state on your behalf.
Get Started Today
Ready to get your FR44 and start the reinstatement process? Call Foxx Insurance at (239) 228-2345 or request a free quote online. We’ll walk you through every step and get you filed fast.