FR-44 Insurance in Florida — Filed With the FLHSMV

FR-44 insurance in Florida is not a separate policy — it is a certificate of financial responsibility your insurer files with the state to prove you carry the higher liability coverage Florida requires. As a licensed insurance agency, we handle FR-44 insurance in Florida from your first quote through confirmation.

Florida is one of only two states that use the FR-44 — Virginia is the other. We file FR-44 insurance in Florida for drivers statewide, from South Florida across Miami-Dade and Broward counties to the Tampa Bay and Central Florida regions.

Which certificate you file comes down to your offense, so we confirm what the state expects and file both FR-44 and SR-22 certificates. Whatever your license suspension stems from, we handle it start to finish.

FR-44 and SR-22 Triggers in Florida

The FR-44 exists because Florida treats impaired-driving convictions more seriously than other violations. Under section 324.023 of the Florida Statutes, a DUI conviction after October 1, 2007 triggers an FR-44 and its higher limits.

An SR-22, by contrast, covers uninsured-accident suspensions, other non-DUI violations, and any DUI dated on or before October 1, 2007. Both certificates are filed electronically by an admitted insurer — a driver cannot self-file either — so we check your record and file the one your case calls for.

Florida’s 100/300/50 FR-44 Limits

An FR-44 requires far more coverage than an SR-22, and its per-person bodily-injury floor runs ten times the SR-22 requirement. Florida sets the FR-44 minimum liability limits at 100/300/50 — $100,000 in bodily injury per person, $300,000 per accident, and $50,000 for property damage, though a single $350,000 combined limit also qualifies.

Your FR-44 insurance in Florida has to meet or exceed these limits for the full filing period, or the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) will not accept it. We quote coverage that qualifies from the start.

Non-Owner FR-44 in Florida

If you need an FR-44 but do not own a car, Florida allows a non-owner FR-44. It carries the same 100/300/50 limits and suits drivers who borrow, rent, or occasionally drive a vehicle they do not own. A non-owner SR-22 works the same way for SR-22 cases, and we write both.

SR-22 in Florida

Not every Florida filing is an FR-44. If your suspension came from driving uninsured, an at-fault crash without coverage, or a DUI dated on or before October 1, 2007, you file an SR-22 instead. Florida’s SR-22 limits are 10/20/10 — $10,000 in bodily injury per person, $20,000 per accident, and $10,000 for property damage.

The SR-22 is filed with the FLHSMV in the same electronic format as the FR-44. We confirm your trigger and file the right certificate at the right limits.

After a DUI or License Suspension in Florida

Most FR-44 filings follow a DUI, and the certificate is only one part of getting back on the road. A conviction can also require an ignition interlock device, and your coverage has to stay active the entire time.

Our DUI insurance and suspended-license insurance pages walk through how the filing fits the wider reinstatement. We quote the qualifying policy and file the certificate that satisfies your requirement — the FLHSMV lifts the hold once it is on file.

FR-44 Insurance in Florida Duration Rules

Florida requires both the FR-44 and the SR-22 for three years. The clock starts from your original suspension date — not the conviction date and not the day you reinstate — so filing promptly matters.

If your coverage lapses, your insurer must file the cancellation right away — an SR-26 for an SR-22, an FR-46 for an FR-44 — and the FLHSMV suspends your license. We watch the filing so a lapse does not catch you off guard.

Reinstatement Fees After a Florida Suspension

Beyond carrying the certificate, Florida charges a reinstatement fee that rises with each offense: $150 for a first, $250 for a second, and $500 for a third or more, set under section 324.0221 of the Florida Statutes. We file your certificate and confirm the paperwork, but only the FLHSMV can reinstate your license.

Statewide FR-44 and SR-22 Filing

We handle FR-44 insurance in Florida for drivers from Miami-Dade and Broward through Tampa, Orlando, and Jacksonville, and every FR-44 and SR-22 goes to the same statewide filing system. Wherever you are in the state, the rules on this page apply.

We handle your filing directly, and we can start it the same day. Every case has its own timeline — tell us your situation and we will quote the coverage and file it for you.

Frequently Asked Questions About FR-44 Insurance in Florida

These are the questions Florida drivers ask us most about an FR-44 filing after a DUI. Each answer sticks to what the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) requires — the higher limits, how long the filing runs, and what a lapse costs you.

When Does Florida Require an FR-44 Instead of an SR-22?

A DUI conviction dated after October 1, 2007 triggers an FR-44 and its higher limits. Earlier DUIs and non-DUI suspensions — like driving uninsured — take an SR-22 instead. We check your record and file whichever certificate your case calls for.

What Are Florida’s FR-44 Minimum Limits?

Florida’s limits are 100/300/50 — $100,000 in bodily injury per person, $300,000 per accident, and $50,000 for property damage, and a single $350,000 combined limit also qualifies. Your FR-44 coverage has to meet or exceed that floor, or the FLHSMV will not accept the filing.

Can I Get a Non-Owner FR-44 in Florida?

Yes. If you need an FR-44 but do not own a car, Florida allows a non-owner FR-44 that carries the same 100/300/50 limits. It suits drivers who borrow, rent, or occasionally drive a vehicle they do not own.

What Happens If My FR-44 Lapses in Florida?

If your coverage lapses, your insurer must file the FR-46 cancellation right away and the FLHSMV suspends your license again. A gap can stall your reinstatement, so tell us before you change or cancel anything.