If you’ve recently been convicted of a DUI or serious driving offense in Florida, you may be required to file an FR-44 form with the state to reinstate your driver’s license. Often confused with SR-22, FR-44 insurance in Florida comes with higher liability requirements and stricter penalties for non-compliance.
In this article, we’ll cover:
FR-44 insurance is a certificate of financial responsibility that proves you carry higher-than-standard liability coverage. It is required in Florida for drivers who have been convicted of:
The FR-44 is filed with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) by your insurance company, not you directly.
When you’re required to file an FR-44, your auto insurance must meet enhanced minimum liability coverage, including:
This is significantly higher than the standard Florida coverage (10/20/10 for SR-22 filings).
You may be required to file an FR-44 if:
After these types of violations, Florida law mandates that you carry FR-44 insurance for three years (in most cases), though the exact duration may vary by case.
SR-22 insurance is typically required for general high-risk drivers, while FR-44 insurance is specifically mandated for individuals with DUI or DWI convictions. One of the major differences between the two lies in the liability coverage requirements. SR-22 mandates a minimum of 10/20/10 coverage, whereas FR-44 requires significantly higher limits—100/300/50.
This difference in coverage directly affects the cost: SR-22 insurance tends to be more affordable, while FR-44 is generally more expensive due to the higher coverage requirements. Despite the cost, both filings are submitted through the Florida Highway Safety and Motor Vehicles (FLHSMV) system.
FR-44 requires much higher liability limits, making it more expensive, but it is mandatory for DUI-related violations in Florida.
1. Work With a Licensed Florida Insurance Agent
Not all insurers offer FR-44 filings. That’s why you need an agency like White Chip Insurance—experienced in helping high-risk drivers and filing FR-44 certificates quickly.
2. Purchase a Policy That Meets FR-44 Requirements
You’ll need to buy a car insurance policy that includes at least 100/300/50 liability coverage. Comprehensive and collision are optional, but highly recommended after a DUI.
3. File the FR-44 Form
Once your policy is active, your insurer will electronically file the FR-44 form with the FLHSMV. This allows you to reinstate your license and legally drive again.
Because FR-44 requires much higher liability limits, premiums are typically 2 to 3 times higher than standard insurance. Costs may vary based on:
Average Cost in Florida:
White Chip Insurance compares rates from multiple carriers to help you find affordable FR-44 coverage—even after a DUI.
Yes, you can get non-owner FR-44 insurance in Florida. This type of policy is designed for drivers who:
White Chip Insurance offers non-owner FR-44 policies with fast filing, so you can get compliant—even without owning a car.
At White Chip Insurance, we’re experts in FR-44 insurance and DUI-related filings. Our team of licensed agents in Tampa, FL serves drivers across the state, helping them find the cheapest FR-44 policies available.
Whether you're in Tampa, Orlando, Miami, Fort Lauderdale, or Jacksonville, White Chip Insurance is your trusted partner for FR-44.
Dealing with a DUI in Florida is tough, but getting the required FR-44 insurance doesn’t have to be. With help from White Chip Insurance, you can get the coverage you need at a price you can afford, fast.
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Let White Chip Insurance take the stress out of the process. Call now or get your free quote online—we’re here to help.
FR-44 requires much higher liability limits and is filed after DUI-related offenses. It’s more expensive and legally required to reinstate your license.
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