If you’re a motorcycle rider in Florida who’s been required to file an FR44, you might be wondering: does my bike need its own FR44 policy, or can I add it to my regular auto insurance? The answer can significantly impact both your compliance and your wallet.
What Is FR44 Insurance for Motorcycles?
FR44 insurance is Florida’s high-risk certificate required after certain serious driving offenses—most commonly DUI convictions. While many people associate FR44 with cars, motorcycles require their own separate FR44 filing if you plan to ride legally in Florida after a DUI or other qualifying offense.
The FR44 itself isn’t insurance—it’s a certificate your insurance company files with the Florida DMV proving you carry at least the minimum liability coverage required by law:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
For context, standard Florida auto insurance only requires $10,000/$20,000/$10,000—making FR44 requirements 10 times higher.
Do Motorcycles Need a Separate FR44 Policy?
Yes, in most cases. Here’s what you need to know:
Each vehicle you ride/drive needs its own FR44. If you have both a car and a motorcycle, you’ll typically need two separate policies—one for each vehicle—with FR44 certificates filed for both.
You can’t “share” an FR44 between vehicles. The FR44 certificate is tied to a specific vehicle and policy. Your car’s FR44 won’t cover your motorcycle, and vice versa.
Non-owner FR44 policies exist but have limitations. If you don’t own a vehicle but need to reinstate your license, you can get a non-owner FR44 policy. However, this won’t allow you to legally ride a borrowed or rented motorcycle—it only fulfills the DMV requirement for license reinstatement.
How Much Does Motorcycle FR44 Insurance Cost?
Motorcycle FR44 insurance costs vary widely based on several factors:
Your driving record. The offense that triggered your FR44 requirement is the biggest cost factor. DUI convictions typically result in the highest rates.
Your age and experience. Younger riders and those with less experience generally pay more, especially when combined with a high-risk designation.
The type of motorcycle. Sport bikes and high-performance motorcycles cost more to insure than cruisers or standard bikes, even with FR44.
Your location. Urban areas with higher accident rates often have higher premiums.
Coverage beyond minimums. While FR44 only requires liability coverage, you may want collision and comprehensive coverage if you’re financing your bike.
On average, motorcycle FR44 insurance in Florida can range from $1,200 to $3,500+ per year, though costs can be higher depending on your specific circumstances. For detailed cost estimates and ways to save, it pays to shop around—rates can vary dramatically between insurance companies.
Common Questions About Motorcycle FR44 Insurance
Can I get FR44 insurance if I only own a motorcycle?
Absolutely. You don’t need to own a car to get FR44 insurance. Your motorcycle policy alone can satisfy the FR44 requirement as long as it meets the minimum coverage limits.
How long do I need to maintain FR44 insurance?
In Florida, FR44 is typically required for three years from your conviction date. Your insurance company must maintain continuous filing during this entire period—any lapse resets the clock.
What happens if my motorcycle FR44 policy lapses?
If your policy lapses for any reason, your insurance company is required to notify the Florida DMV immediately. Your driver’s license will be suspended, and the three-year FR44 period will restart from the date you get new coverage. Learn more about DUI insurance requirements to avoid costly mistakes.
Do I need FR44 if I’m not riding my motorcycle?
Yes. Even if your bike sits in your garage, you still need to maintain the FR44 filing to keep your license valid. The FR44 is a license requirement, not just a riding requirement.
Can I cancel my motorcycle insurance if I sell my bike?
This is tricky. If you sell your motorcycle but still have a car with FR44, you’re covered. But if you have no other vehicle with FR44 insurance and you cancel your motorcycle policy, your license will be suspended—even if you’re not riding anymore.
Getting Motorcycle FR44 Insurance: What You Need
To get FR44 insurance for your motorcycle, you’ll need:
- Your motorcycle’s VIN, make, model, and year
- Your Florida driver’s license number
- Documentation of the offense that triggered the FR44 requirement
- Proof of motorcycle ownership or lease
Important: Not all insurance companies offer FR44 coverage, and even fewer specialize in motorcycle FR44 policies. Working with an insurer experienced in high-risk motorcycle coverage can save you time, money, and headaches.
Get a Motorcycle FR44 Quote Today
If you need FR44 insurance for your motorcycle in Florida, don’t wait until the last minute. The sooner you secure coverage, the sooner you can get back on the road legally.
Need help? Call us at 877-409-1063. Our Florida FR44 specialists can provide fast quotes, answer your questions, and help you find affordable coverage that meets all state requirements—so you can ride with confidence and stay in compliance.