What Is FR-44 Insurance in Florida?

Introduction

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:

• What FR-44 insurance is
• Who needs to file it in Florida
• How it’s different from SR-22
• How to get affordable FR-44 insurance today
• How White Chip Insurance helps you file fast and save money

What Is FR-44 Insurance in Florida?

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:

• Driving under the influence (DUI)
• Driving with a suspended or revoked license (related to DUI)
• Committing certain felony traffic violations

The FR-44 is filed with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) by your insurance company, not you directly.

Florida FR-44 Liability Requirements

When you’re required to file an FR-44, your auto insurance must meet enhanced minimum liability coverage, including:

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

This is significantly higher than the standard Florida coverage (10/20/10 for SR-22 filings).

Who Needs FR-44 Insurance in Florida?

You may be required to file an FR-44 if:

• You were convicted of a DUI or DWI in Florida
• You were caught driving without insurance while intoxicated
• You were involved in a serious traffic-related felony offense

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.

FR-44 vs. SR-22 in Florida: What’s the Difference?

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.

How to Get FR-44 Insurance 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.

How Much Does FR-44 Insurance Cost in Florida?

Because FR-44 requires much higher liability limits, premiums are typically 2 to 3 times higher than standard insurance. Costs may vary based on:

• Driving history and age
• Vehicle type
• ZIP code (Orlando, Tampa, Miami, etc.)
• Time since DUI conviction

Average Cost in Florida:

• Standard Insurance: $1,800/year
• FR-44 Insurance: $3,000–$6,000/year (depending on risk profile)

Can You Get FR-44 Insurance Without a Car?

Yes, you can get non-owner FR-44 insurance in Florida. This type of policy is designed for drivers who:

• Don’t own a vehicle but need to reinstate their license
• Borrow or occasionally drive vehicles
• Want to avoid further penalties from the state

White Chip Insurance offers non-owner FR-44 policies with fast filing, so you can get compliant—even without owning a car.

How White Chip Insurance Makes FR-44 Easy

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.

• Same-day FR-44 filings
• Licensed in all Florida counties
• Over 10 years of experience helping high-risk drivers
• Affordable plans from top-rated insurance companies
• Non-owner policies available

Whether you're in Tampa, Orlando, Miami, Fort Lauderdale, or Jacksonville, White Chip Insurance is your trusted partner for FR-44.

Final Thoughts

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.

Take Action Today:

• Use our free online tool to compare FR-44 insurance quotes
• Speak with a licensed Florida agent for guidance
• File your FR-44 today and get your license back on track

Let White Chip Insurance take the stress out of the process. Call now or get your free quote online—we’re here to help.