The FR-44 Insurance Florida or FR-44 filing was instituted by the state to insure that a driver who has been convicted of a DUI charge has a 100/300/50 liability limit.

Florida State Seal

This means there is a coverage of $50,000 for property damage, $300,000 total bodily injury liability and $100,000 bodily injury liability per individual.

Both the total bodily injury liability and property damage liability coverage are per accident.

Filing and Duration of Florida FR-44 Insurance

FR44 insurance in Florida is required because the state mandates that anyone who has been convicted of DUI to have a higher bodily injury limit to safeguard the populace in the event the person hurts another individual or causes property damage. Filing of the Florida FR44 insurance is done online once the policy process has been completed.

How long do you need to carry this?

The amount of time you have to carry the insurance will be decided by the state, although in the majority of the cases it is three years. Once you are convicted of DUI, you will be notified, and you’ll need to apply for the FR-44.

The following information shows you how this is done. This article also explains the difference between the FR-44 and the SR-22 Insurance.

While the FR-44 is required in Florida and Virginia, there is a difference between the two, and that is explained here as well. We also offer suggestions on how to find the most affordable FR 44 online.

How to Apply for FR-44 Insurance in Florida?

DUI Convicted after Drunk Driving and Florida FR44 Florida Insurance

There are many websites today that offer FR-44 insurance Florida quotes, so you can start looking there. While you’re researching, it’s also a good idea to compare car insurance quotes and get the lowest rates possible. We offer free car insurance quotes online here.

You will be assigned a case number, and you need to provide that with the FR-44 service you chose, after which they will provide you with the proper form.

When the paperwork has been processed, you can buy the FR44 insurance without a vehicle and receive a temporary identification card and the FR-44. Note that this is just the general process and those offered by other services may be different.

How much does it cost?

The cost is determined by several factors, such as your age, driving record, claims record etc. so it is difficult to give a precise estimate of how much this will cost. The best way to find the cheapest FR44 insurance is to get quotes online and compare the rate.

When you do get the insurance, you need to pay in full as partial payments are not allowed in the state. However, you can get this policy even if you don’t own a car via the non-owner FR44 policy.

Differences Between FR-44 and SR-22 Insurance

An SR-22 insurance is a filing that is joined to a vehicle insurance policy, as your car insurer will notify the state that you have insurance and a high risk driver. Furthermore, the filing agreement means your car insurance provider has to inform the state if your policy is cancelled. Usually, those with an SR-22 form have to pay higher premiums than those who don’t.

FR-44 form is applicable in Florida and Virginia only and is often called DUI insurance. Under Florida state law, drivers guilty of DUI have to buy the FR44, which is significantly higher than the minimum car insurance required by the state. This liability insurance is, as was stated earlier, going to be used to cover injuries and property damage that may be inflicted on other parties.

The normal requirements for SR-22 insurance in Florida is:

  • Bodily injury liability coverage (per person/per accident): $10,000/$20,000.
  • Property damage liability coverage: $10,000.

The reasoning behind this law is that drivers who have been convicted of drunk driving are probably going to commit the same offense, which statistics support. Drunk driving is potentially destructive and can be fatal. The state has imposed a higher insurance requirement to protect the other party in case the driver causes another accident.

How to find affordable FR-44 insurance in Florida on the internet?

If you’re looking for cheap FR-44 insurance in Florida, the best thing you can do is to shop around online. There was a time when only SR22 resources and services were available on the web, but now that’s no longer the case as you can find several companies offering insurance for high risk drivers.

How to Find Decent Florida FR44 Insurance Online and Get an Affordable Rate

Finding is easy:

As long as you have an Internet connection, you can browse the web and find various companies that provide different types of FR-44 assistance.

Everyone has an opinion as to which of these services is the best. But at the very least, the website must have information about FR-44, how it works, who needs it, the cost and so on. Second, the service needs to provide information on how you can get your license reinstated and other related data.

What if I let my Florida FR44 Policy lapse?

You won’t like the answer to this question. If your policy lapses, you’ll probably have three extra years added to your requirement period. It doesn’t matter whether you’ve been doing everything right for two and a half months before the lapse. If you let your insurance company cancel your policy, you may be stuck with a long and expensive consequence. Never let the Florida FR44 policy lapse!

Can I be issued an FR44 from another state?

Virginia is the only state that issues these. Most states simply use SR-22s instead without requiring drivers to purchase more protection than standard state minimum liability limits. Keep in mind that even if you move to another state, the requirements set forth by the Florida FR-44 will likely remain for the duration of the judge- or state-ordered FR-44 form mandate.

Can I pay for my FR-44 policy in installments?

In Florida, when you buy an FR-44, it must be paid in full. In Virginia, you can pay in installments. While both will result in higher insurance premiums, FR-44 policies in Florida and Virginia are subject to six-month payment premiums.

Get Quotes and Compare Rate:

While the number of services offering assistance has increased, the cost varies. So, you should take a look around: get quotes not just from your insurance provider but from other sources as well. This is going to take some time, yes, but it will make your life easier later on. Also, it is better to do the research now than wait later when you are already involved in an accident.

The Bottom Line

FR44 Insurance cost after a DUI can be expensive because of the violation’s severity. Florida requires auto insurance companies to file SR-22 or FR-44 forms on behalf of convicted drivers, but each provider might have its own policy about this service. Florida has strict DUI/DWI penalties beyond getting cheap FR44 insurance.

If you’re looking for FR-44 insurance in Florida, now is a good time to determine just how much coverage you need. The state of Florida has made that clear, but keep in mind that the figures given here are only the minimum requirements. If you think you require more, there’s no reason not to get one. What it comes down to is the cost of the monthly insurance versus not having enough coverage if you cause another accident. Hence, the need for study and research.