• FLORIDA FR-44 INSURANCE
FR-44 Insurance Made Fast, Simple and Affordable
Compare real FR-44 insurance quotes online and get your Florida license reinstated faster. Same-day DHSMV filing. No email. No cell phone number. No spam.
🔒 No calls. No spam. Compare real FR-44 insurance rates without entering your email or cell phone number. Get your quote in minutes.
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UNDERSTANDING COVERAGE
Get a Florida FR-44 Insurance Quote Without the Usual Hassle
Shopping for FR-44 insurance after a DUI should not mean dozens of sales calls or sharing your contact details before you see a single rate. SunKey makes it easier for Florida drivers to compare FR-44 insurance quotes quickly and privately.
Whether you need owner FR-44 insurance, non-owner FR-44 coverage, or help understanding Florida’s $100,000/$300,000/$50,000 liability requirement, SunKey helps you move from search to filing without the usual friction.
What is FR-44 insurance? FR-44 is a Certificate of Financial Responsibility unique to Florida and Virginia that proves you carry the state-mandated liability coverage required after a DUI/DWI conviction. In Florida, FR-44 replaced SR-22 for DUI cases in 2008 and demands significantly higher liability limits than standard auto insurance.
SIMPLE PROCESS
How It Works
Get your Florida FR-44 insurance quote and DHSMV filing in four simple steps. No email. No cell phone. Just fast results.
Enter Basic Info
Tell us your ZIP code, vehicle year, make, and DOB.
Choose Owner or Non-Owner
Let us know if you own a vehicle or need a non-owner FR-44 policy.
Compare Real Quotes
See live FR-44 insurance rates from Florida's top carriers.
Same-Day DHSMV Filing
Bind your policy and we'll file your FR-44 electronically with the Florida DHSMV.
FLORIDA LAW
What Is FR-44 Insurance in Florida?
FR-44 is a state-mandated proof of financial responsibility filed electronically by your insurance company with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Here’s what every Florida driver should know.
Required After a DUI Conviction
Florida requires FR-44 for DUI/DWI convictions, refusal of a chemical breath test, and certain alcohol-related vehicular offenses.
100/300/50 Liability Limits
Florida FR-44 requires $100,000 bodily injury per person, $300,000 per accident, and $50,000 in property damage — 10 times the standard state bodily injury minimum.
3-Year Filing Period
You must maintain continuous FR-44 coverage for 3 years from your license reinstatement date. Any lapse triggers immediate license suspension and can restart the clock.
Who Needs an FR-44 Form in Florida?
What We Cover
DUI/DWI Convictions
The most common trigger. Any first-time or repeat DUI conviction in Florida requires FR-44 filing to reinstate your driver's license.
Refusal of a Chemical Test
Refusing a breathalyzer or blood test during a DUI stop in Florida results in license suspension and an FR-44 requirement upon reinstatement.
Driving on a DUI-Suspended License
If you're caught driving while your license is suspended due to a prior DUI, Florida requires FR-44 coverage for reinstatement.
Vehicular Manslaughter (Alcohol-Related)
Florida law mandates FR-44 filing for alcohol-related vehicular manslaughter convictions.
Non-Owner FR-44 Insurance
Don't own a vehicle but still need to reinstate your license? Florida allows non-owner FR-44 policies that satisfy the DHSMV requirement.
Owner FR-44 Insurance
Standard FR-44 coverage for drivers who own and operate a vehicle. Includes 100/300/50 liability plus PIP and PDL.
Combined Single Limit (CSL) FR-44
Some Florida carriers offer a $350,000 CSL policy as an alternative to split-limit 100/300/50 — sometimes at a lower premium.
Full Coverage FR-44
Add collision and comprehensive coverage to your FR-44 policy. Required by most lenders if your vehicle is financed or leased.
Difference Between FR-44 and SR-22 in Florida
Both forms prove you carry the state-required liability coverage, but they differ significantly in what triggers them and how much coverage they require.
Difference Between FR-44 and SR-22 in Florida
Both forms prove you carry the state-required liability coverage, but they differ significantly in what triggers them and how much coverage they require.
Florida eliminated SR-22 for DUI offenders in 2008, making FR-44 the exclusive certificate for DUI-related license reinstatement.
Stay Protected
Florida FR-44 Non-Compliance Penalties
Letting your FR-44 policy lapse — even for one day — triggers immediate consequences from the Florida DHSMV. Maintaining continuous coverage for the full 3 years is non-negotiable.
Reinstatement Fees: $150–$500+
First suspension: $150. Second: $250. Subsequent suspensions: $500 or more, plus additional administrative fees.
Restart of 3-Year FR-44 Period
A coverage lapse can reset your 3-year filing requirement from zero — extending your obligation by years.
How Much Does FR-44 Insurance Cost in Florida?
FR-44 insurance in Florida is significantly more expensive than standard coverage due to the elevated 100/300/50 liability limits and high-risk classification after a DUI. Recent industry data shows Florida FR-44 drivers pay an average of around $162/month for liability-only coverage and approximately $2,400/year for full coverage — though rates vary widely by carrier, county, vehicle, and individual driving history.
Cost drivers include your county (Miami-Dade and Broward run higher), age, vehicle type, prior driving record, owner vs. non-owner policy, and the carrier you choose. The single most effective way to find cheap FR-44 insurance in Florida is to compare quotes from at least 5 FR-44-authorized carriers — pricing for identical coverage can vary by $1,000+ per year.
OUR DIFFERENCE
Why Choose SunKey for FR-44 Insurance
No Email or Cell Phone Required Up Front
Most FR-44 quote sites flood you with calls the second you submit. We skip that. Start your quote, compare real options, and decide if you want to move forward.
Same-Day DHSMV Electronic Filing
SunKey works with carriers that file FR-44 certificates electronically with the Florida DHSMV the same day — so you can pay your reinstatement fee and get your license back faster.
Compare Top FR-44 Carriers in Florida
Not every insurer files FR-44 forms. We work with carriers that specialize in FR-44 coverage — including Progressive, Bristol West, National General, Dairyland, and Kemper — so you only see real, bindable quotes.
Owner & Non-Owner FR-44 Policies
Whether you own a vehicle or need a non-owner FR-44 policy to reinstate your license, SunKey can match you with carriers that offer both — at competitive Florida rates.
SUNKEY AUTORATER
Our Purpose-Built FR-44 Quoting Platform
SunKey AutoRater is our fast, private FR-44 insurance quoting platform — purpose-built for Florida drivers who need to reinstate their license after a DUI.
Simply enter your driver information, choose owner or non-owner coverage, and see real FR-44 insurance quotes from Florida’s top carriers in minutes — with same-day DHSMV filing available.
No email or cell phone required to start
Compare rates from 5+ FR-44 Florida carriers
Real, bindable quotes — not estimates
Same-day electronic DHSMV filing
No. FR-44 is not insurance itself — it’s a Certificate of Financial Responsibility your insurance company files with the Florida DHSMV to prove you carry the state-required 100/300/50 liability coverage. You still need an underlying auto insurance policy.
Yes. Florida allows non-owner FR-44 insurance policies for drivers who need to reinstate their license but don’t own a vehicle. These policies provide the required 100/300/50 liability coverage when driving borrowed or rented vehicles.
Florida requires FR-44 coverage for 3 years from the date of license reinstatement. You must maintain continuous coverage for the entire period — any lapse can restart the 3-year clock.
You can’t submit an FR-44 yourself. Your insurance company files the FR-44 electronically with the Florida DHSMV on your behalf. Florida uses an electronic-only filing process — there is no paper FR-44 form. Filing typically takes 24–48 hours, though same-day filing is available through some carriers.
If your FR-44 policy lapses, your insurer is required to file an SR-26 form notifying the Florida DHSMV. Your driver’s license and vehicle registration will be suspended, and you may need to restart the entire 3-year FR-44 filing period. You’ll also owe reinstatement fees of $150–$500+.
Florida drivers required to file an FR-44 typically see rate increases of 50–200% compared to standard rates, due to both the elevated 100/300/50 liability limits and the high-risk classification after a DUI. Average FR-44 premiums in Florida are around $162/month for liability-only and $200+/month for full coverage — though rates vary widely. Comparing quotes from multiple FR-44 carriers is the single most effective way to lower your premium.
READY GET STARTED?
Get Your Florida FR-44 Insurance Quote Now
Compare real FR-44 insurance rates from Florida's top carriers with same-day DHSMV filing. No email. No cell phone. Just fast, accurate quotes in minutes.
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