What Is
FR44 Insurance?
Florida Guide.

FR44 Insurance: The Short Version

FR44 is a state-mandated insurance certificate that Florida requires after a DUI conviction. It's not a special type of policy — it's a filing your insurance company submits to the Florida Department of Highway Safety and Motor Vehicles (DHSMV) that proves you're carrying the required coverage.

Without an active FR44 on file with DHSMV, your Florida driver's license will not be reinstated. It's that simple.

Who Needs FR44 Insurance?

You need FR44 insurance if your Florida driver's license was suspended due to:

• A DUI (Driving Under the Influence) conviction
• A DWI conviction
• Certain drug-related driving offenses under Florida Statute 322.271

If you received a regular traffic violation suspension (reckless driving, too many points), you likely need an SR22, not an FR44. The key distinction: FR44 is specifically for DUI-related suspensions in Florida.

What Coverage Does FR44 Require?

FR44 requires you to carry double Florida's normal liability minimums:

• $100,000 bodily injury per person (normal minimum is $10,000)
• $300,000 bodily injury per accident (normal minimum is $20,000)
• $50,000 property damage (normal minimum is $10,000)

This is expressed as 100/300/50. Every state-approved FR44 carrier must file at these exact limits — there's no variation on the coverage requirement. The only thing that varies is price.

How Does FR44 Actually Work?

When you purchase an FR44 policy, your insurance carrier electronically files the FR44 certificate with Florida DHSMV. DHSMV's system receives the certificate, updates your record, and clears the hold on your license reinstatement.

This is why filing speed matters — the faster your insurer submits the certificate, the faster DHSMV can process your reinstatement. FR44 Experts files most policies within 30 minutes of payment.

How Long Do You Need FR44 in Florida?

Florida requires continuous FR44 coverage for 3 years from the date your driving privileges are reinstated — not from your conviction date. The key word is continuous.

If your coverage lapses — even for one day — the 3-year clock resets. Your carrier is required to notify DHSMV immediately when a policy cancels or lapses. Don't let it happen.

Read more: How long do I need FR44 in Florida? Full breakdown →

FR44 Owner vs. Non-Owner Policies

There are two types of FR44 policies, and choosing the right one is the biggest cost lever:

• Owner policy: You own a vehicle. Your policy covers both you and your car. Required if you're financing a vehicle or the car's registered in your name.
• Non-owner policy: You don't own a vehicle. Covers you as a driver of vehicles you don't own. Significantly cheaper — often the right choice if you're between cars.

Picking owner when you need non-owner (or vice versa) is the most common costly mistake. Read our full owner vs. non-owner guide →

What Does FR44 Insurance Cost in Florida?

Cost varies based on your driving record, vehicle (for owner policies), chosen carrier, and location. Non-owner policies are generally the cheapest option. Read our full FR44 cost guide →

The best way to get your actual rate: call us or fill out the quote form below. We compare every state-approved carrier and find the lowest rate for your specific situation.

How Is FR44 Different from SR22?

Both are state-required insurance certificates — but they're different in key ways:

• FR44 is Florida-specific. SR22 exists in most states; FR44 is Florida and Virginia only.
• FR44 requires higher coverage limits. SR22 typically just requires standard minimums; FR44 requires double.
• FR44 is triggered by DUI. SR22 covers a wider range of violations.

Read our full comparison: FR44 vs SR22 — What's the Difference? →

Ready to Get Filed?

Now that you know what FR44 is — let's get yours filed. Most policies are completed in 30 minutes or less. Fill out the quote form or call (855) 678-6977.