Florida FR-44 Insurance, Filed With the FLHSMV

Florida FR-44 insurance is proof of financial responsibility, not a standalone policy. Your insurer submits a certificate of financial responsibility to the state, confirming your liability coverage clears the higher floor Florida sets after an impaired-driving conviction. As a licensed agency, we carry your case from the first quote through the state’s confirmation that the filing is on record.

Only Florida and Virginia require this certificate, and the offense behind your case decides whether Florida FR-44 insurance or an SR-22 applies to you. We check what your record calls for and submit whichever the state requires (FR-44, SR-22, or both), so we resolve your license suspension without guesswork.

Florida’s 100/300/50 Minimum Liability Limits for FR-44

Florida sets its FR-44 minimum liability limits well above the state’s standard SR-22 floor. The requirement is 100/300/50 coverage ($100,000 in bodily injury per person, $300,000 per accident, and $50,000 in property damage) before the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) will accept your filing.

A single $350,000 combined-liability policy also satisfies the requirement, provided it meets or exceeds each individual threshold. Your coverage has to stay at or above this floor for the entire filing period, so we quote policies built to qualify from day one.

Florida’s Impaired-Driving Trigger for FR-44

Florida treats impaired driving more seriously than most other violations, and that distinction is written into section 324.023 of the Florida Statutes. Any DUI conviction dated after October 1, 2007 activates the FR-44 requirement and its steeper coverage floor, replacing the standard SR-22 filing entirely.

Earlier DUI convictions, along with uninsured-driving and other non-DUI suspensions, fall under the SR-22 instead. Insurers file both certificates electronically. Drivers can’t submit either one themselves, so we check your record and confirm whether Florida FR-44 insurance or the SR-22 applies to your case.

Florida’s SR-22 Alternative at 10/20/10 Limits

Not every suspension in Florida calls for the FR-44’s higher coverage. Drivers whose case stems from an uninsured accident or a DUI dated on or before October 1, 2007 file an SR-22 instead, carrying Florida’s lower 10/20/10 floor: $10,000 per person, $20,000 per accident, $10,000 in property damage.

The FLHSMV processes the SR-22 through the same electronic filing system used for the FR-44, so there is no separate paperwork track. We confirm which trigger applies to your record and file the certificate at the limits it requires.

Non-Owner FR-44 Policies in Florida

Florida doesn’t require every FR-44 driver to own the vehicle they insure. A non-owner FR-44 carries the identical 100/300/50 limits and fits drivers who borrow cars, rent regularly, or drive a vehicle someone else has registered in their own name, without tying the proof to one car.

A non-owner SR-22 follows the same logic for drivers whose case falls under the lower-limit filing, and we write both policy types. Tell us your situation and we will match the non-owner coverage, Florida FR-44 insurance or an SR-22, to the certificate your record needs.

Reinstatement Steps After a Florida DUI

A DUI conviction in Florida rarely ends with the FR-44 filing alone. The court can also order an ignition interlock device, and your liability coverage has to remain active for as long as that requirement runs, without a single gap in the record.

Our DUI insurance and suspended-license insurance pages cover how the certificate fits into the broader reinstatement process. We quote a policy that qualifies and file the certificate your case needs: the FLHSMV releases the hold once the paperwork is on record.

FR-44 and SR-22 Filing Term in Florida

The FR-44 filing runs for a mandatory three years, and the SR-22 carries that identical term. The clock starts on your original suspension date, not the date of conviction and not the day your license comes back, so filing quickly protects your timeline.

A lapse forces your insurer to report the cancellation immediately (an FR-46 for the FR-44, an SR-26 for the SR-22), and the FLHSMV suspends your license again the moment that cancellation notice arrives at the state office. We track every filing closely so a missed payment never quietly turns into a second suspension.

Florida’s Reinstatement Fee Schedule

Carrying the certificate is only part of the cost of reinstatement. Florida charges a reinstatement fee that climbs with each offense ($150 for a first violation, $250 for a second, and $500 for a third or beyond), set under section 324.0221 of the Florida Statutes.

We handle your Florida FR-44 insurance directly and confirm every form is correct, but the FLHSMV alone decides when your license comes back. Paying the fee and holding qualifying coverage are both required before reinstatement can happen.

Statewide FR-44 Filing Across Florida

We handle FR-44 filings across Florida statewide, from Miami-Dade and Broward to the Tampa Bay and Central Florida regions, and on to Orlando and Jacksonville. Every filing, FR-44 or SR-22, routes through the same filing system, so the rules here apply anywhere in the state.

We manage your filing directly and can begin the same day you contact us. Every driver’s timeline looks different, so tell us where your case stands and we will quote the coverage and file the certificate for you.

Frequently Asked Questions About Florida FR-44 Insurance

Florida drivers bring us the same handful of questions after a DUI triggers a filing. Each answer reflects what the Florida Department of Highway Safety and Motor Vehicles requires: the coverage floor, the filing term, and what a lapse costs you.

What Triggers an FR-44 Requirement in Florida?

A DUI conviction dated after October 1, 2007 triggers Florida FR-44 insurance and its higher coverage floor. Earlier DUI convictions and non-DUI suspensions, like driving uninsured, call for an SR-22 instead. We check your record and file whichever certificate your case requires.

What Coverage Limits Apply to Florida’s FR-44?

Florida’s FR-44 limits are 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. Coverage has to meet or exceed that floor or the FLHSMV will reject the filing.

Does Florida Offer a Non-Owner FR-44?

Yes. Florida offers a non-owner FR-44 carrying the same 100/300/50 limits for drivers who do not own a car outright. It fits anyone who regularly borrows a car, rents one, or occasionally drives a vehicle someone else has registered in their own name.

What Occurs When an FR-44 Lapses in Florida?

Your insurer must report the FR-46 cancellation to the FLHSMV immediately, and the state suspends your license again. A lapse in your FR-44 filing can stall reinstatement and restart your filing term, so tell us before you change or cancel any coverage.