There's no single number that applies to everyone. FR44 pricing depends on your specific situation — your driving record, whether you own a car, your vehicle type, and which carrier writes your policy. That said, here are realistic ranges based on what we see every day:
$300 – $900 per 6-month term
Covers you as a driver of vehicles you don't own. No collision, no comprehensive. This is the cheapest FR44 option and the right choice if you don't have a car registered in your name.
$1,200 – $2,500 per 6-month term
Covers you and your vehicle with the required 100/300/50 liability. No collision or comprehensive — your car isn't covered for damage to itself.
$1,800 – $3,500+ per 6-month term
FR44 liability plus collision and comprehensive. Required if you're financing or leasing a vehicle. Most expensive option, but often mandatory.
Important: These are ranges, not quotes. Your actual rate depends on multiple factors. The only way to know your real price is to get a quote — fill out the form below or call (855) 678-6977.
Insurance carriers use several factors to determine your specific premium:
This is the single biggest cost factor. If you don't own a vehicle, a non-owner FR44 policy can save you 50-70% compared to an owner policy. Many people don't realize this option exists. Learn more about owner vs. non-owner →
A first-time DUI with an otherwise clean record will generally get better rates than multiple violations. Carriers weight: prior DUI history, accident history, speeding tickets, and time since last incident.
For owner policies, your car matters. Newer vehicles, sports cars, and luxury vehicles cost more to insure. An older sedan is the cheapest to cover.
Younger drivers pay more. Urban counties like Miami-Dade and Broward tend to have higher rates than rural areas due to traffic density and accident frequency.
This is where shopping matters most. The same driver can get quotes that differ by 30-50% depending on the carrier. Different carriers have different risk models — which is exactly why we compare all of them for you.
Two compounding factors:
The good news: rates typically drop each year as the DUI ages. And once your 3-year FR44 requirement ends, switching to standard insurance should lower your premium substantially.
Most state-approved FR44 carriers require a 6-month upfront payment. However, some do offer monthly installment plans — usually with a small installment fee per payment.
When we shop carriers for you, we'll identify which ones offer monthly payment options. If budget is a concern, tell us upfront and we'll prioritize carriers with flexible payment terms.
Ranges are helpful — but what matters is your number. Fill out the quote form or call (855) 678-6977. We'll compare all carriers and give you an exact rate, usually within minutes.
Stop guessing. We compare every carrier and give you the real number.