An FR-44 is a certificate of financial responsibility required by the Florida DHSMV for drivers convicted of a DUI or DWI. It proves you carry higher liability insurance limits: $100,000/$300,000 bodily injury and $50,000 property damage. Your insurer files it directly with the state.
Most Florida drivers must maintain FR-44 for 3 years from license reinstatement. Any lapse restarts the clock and triggers immediate suspension.
FR-44 is Florida-specific and requires higher limits. SR-22 is used in other states with lower limits. DUI in Florida = FR-44. Need SR-22? Visit SR22Coverage.com.
You still need FR-44. A non-owner policy covers you when driving any vehicle you don't own. Often the most affordable option. Get a non-owner quote →
Same day — often within hours. We file electronically with the DHSMV the day you purchase your policy.
Owner policies start as low as $14/month. We shop 15+ carriers to find your lowest rate. Monthly payments available — no 6-month lump sum required.
Your insurer notifies DHSMV immediately. Your license is suspended and you may restart your 3-year requirement from scratch. We send proactive reminders so this never happens.
Yes. We specialize in finding carriers with monthly payment plans. No 6-month upfront required. Many clients pay as little as $14/month.
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