How Much Does FR-44 Insurance Cost in Florida?

Introduction

If you’ve been convicted of a DUI in Florida, you’re likely required to file an FR-44 certificate to reinstate your driver’s license. One of the biggest concerns drivers have is cost—and for good reason. FR-44 insurance in Florida is significantly more expensive than standard auto insurance due to the higher liability requirements and risk classification.

In this guide, we’ll break down:

• The average cost of FR-44 insurance in Florida
• What factors impact your premium
• How to lower your rates
• How White Chip Insurance helps you find affordable FR-44 coverage

What Is FR-44 Insurance in Florida?

FR-44 is a certificate of financial responsibility filed with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). It proves that you carry the higher liability insurance required after a DUI or other serious conviction.

Minimum Liability Limits for FR-44 in Florida:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $50,000 property damage liability

This is much higher than Florida’s standard minimum of 10/20/10, which makes FR-44 policies more costly.

How Much Does FR-44 Insurance Cost Per Year in Florida?

The cost of FR-44 insurance in Florida varies, but here are the typical ranges you can expect:

• A standard auto policy usually runs between $1,800 and $2,200 per year.
• With an SR-22 filing, that cost jumps to about $2,500 to $3,000 per year.
• An FR-44 policy, required after a DUI in Florida, is the priciest—typically between $3,000 and $6,000 per year.

Keep in mind that these numbers are averages. Your actual premium could be higher (or lower) depending on your driving history, age, and even where you live.

What Affects the Cost of FR-44 Insurance in Florida?

Several factors influence how much you’ll pay for FR-44 coverage:

1. Driving History

• A DUI is already a high-risk indicator.
• Additional violations (accidents, speeding) will push your rate higher.

2. Age and Gender

• Younger drivers (especially under 25) pay more.
• Male drivers tend to see slightly higher premiums after a DUI.

3. Location

Insurance rates vary by city. For example:

• Miami and Tampa tend to have higher rates.
• Ocala and smaller towns may have lower premiums.

4. Vehicle Type

• Insuring a high-performance or luxury car can increase your FR-44 cost.
• Older, lower-value vehicles may reduce the premium.

5. Coverage Options

• Opting for full coverage (collision and comprehensive) increases the cost.
• Minimum coverage is cheaper but may leave you exposed.

Can You Get FR-44 Insurance Without a Car?

Yes. Even if you don’t own a car, you can still meet Florida’s FR-44 requirement by getting non-owner FR-44 insurance. This type of policy is designed for people who need to reinstate their driver’s license after a DUI but don’t currently have their own vehicle.

Non-owner policies are usually less expensive than a standard auto policy because they only provide liability coverage when you’re driving a borrowed or rented car. They don’t cover damage to the vehicle itself, but they do satisfy the state’s requirement for FR-44 filing.

How Long Do I Need to Keep FR-44 Insurance?

In most cases, Florida requires drivers to maintain FR-44 insurance for three consecutive years after a DUI conviction. This period begins as soon as your policy is filed with the state.

If your policy lapses, cancels, or expires at any time during those three years, your insurance company is legally required to notify the Florida Department of Highway Safety and Motor Vehicles (DHSMV). When that happens, your driver’s license may be immediately suspended again, and you’ll need to restart the process—potentially extending the amount of time you’re required to carry FR-44.

How to Lower Your FR-44 Insurance Costs

Even though rates are high, there are several ways to reduce your FR-44 premiums:

• Shop Around: Use White Chip Insurance to compare rates from multiple providers.
• Ask About Discounts: Safe driver, pay-in-full, and electronic billing discounts may apply—even after a DUI.
• Choose a Higher Deductible: Raising your deductible lowers your premium (if you choose full coverage).
• Take a Defensive Driving Course: Some insurers may offer a discount if you complete a state-approved course.
• Avoid Lapses in Coverage: Consistent, on-time payments protect your rate from increasing further.

Why Work With White Chip Insurance for FR-44?

At White Chip Insurance, we help Florida drivers navigate high-risk coverage and find affordable FR-44 insurance with ease.

1. Same-day FR-44 filing with the Florida DMV
2. Non-owner and owner FR-44 options
3. Experienced, licensed agents based in Tampa, FL
4. Quotes from top insurers like The General, Dairyland, and Progressive
5. Over a decade of experience helping high-risk drivers get back on the road

Final Thoughts

FR-44 insurance in Florida is costly—but mandatory if you’ve had a DUI or serious traffic offense. The good news is, with the right guidance, you can minimize your cost and avoid unnecessary stress.

Start Saving Today:

1. Use White Chip’s free quote tool to compare FR-44 policies
2. Talk to a licensed agent who specializes in high-risk insurance
3. Get your FR-44 filed today and reinstate your license fast

We’re here to help you move forward—affordably and legally.