Florida FR-44 Insurance (2026): Cost & Cheapest Companies After a DUI

Florida doesn’t use SR-22 for DUI convictions — it requires an FR-44, which demands much higher liability limits and typically costs significantly more. If you’re searching for “Florida SR-22 after DUI,” this is the page you need. Here’s what an FR-44 costs, which carriers write it, and how to get the best rate.

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Florida FR-44 at a glance
What it isCertificate your insurer files with FLHSMV proving you carry Florida’s higher post-DUI liability limits (FS §324.023)
Who needs itAny driver with a DUI conviction on or after October 1, 2007
How long you carry it3 years from your reinstatement date, continuously
Required liability limits$100,000/$300,000 bodily injury + $50,000 property damage — or $350,000 combined single limit
vs. standard FL minimumsStandard FL minimum is $10k PIP + $10k PD — FR-44 BI requirement is a separate, much higher obligation
Filing fee$15–25 (the certificate; the premium at required limits is the real cost)
Typical premium, first DUI~$200–400+/mo depending on coverage and record
If it lapsesInsurer notifies FLHSMV → license re-suspended → fees → clock may reset
SR-22 vs FR-44SR-22 is used in Florida only for non-DUI suspensions. After a DUI, you need FR-44.

Why Florida’s FR-44 costs more than an SR-22

Most states require an SR-22 after a DUI, which simply proves you carry state-minimum liability coverage. Florida’s FR-44 goes further: it requires $100,000/$300,000 bodily injury and $50,000 property damage liability — limits that are 10 to 50 times higher than Florida’s standard minimum. That jump in required coverage is what makes the FR-44 premium significantly higher than a standard SR-22 in other states.

The filing fee itself ($15–25) is similar to an SR-22. The real cost is insuring to those higher limits while also carrying the DUI surcharge. A first-DUI Florida driver can expect to pay $200–400+ per month depending on their full record, vehicle, and county. Comparing carriers is even more important in Florida than in most states because the premium spread at these coverage levels is substantial.

3 years from reinstatement — not from conviction. Florida’s FR-44 clock starts when your license is reinstated, not when you were convicted. If there’s a gap between conviction and reinstatement, that time does not count. Confirm your exact end date with FLHSMV or your insurer.

Cheapest FR-44 carriers in Florida

Not all insurers write FR-44 policies. The market is more limited than standard coverage, and the required limits mean premiums are higher across the board. Starting points for 2026:

CarrierNotes
State FarmOften the most competitive standard carrier for FR-44 in Florida
Progressive SpecialtyStrong non-standard market presence; frequently writes FR-44 statewide
DairylandFlorida-active non-standard carrier; experienced with FR-44 requirements
Bristol West / Kemper SpecialtyNon-standard carriers that routinely write FR-44 policies in Florida

Availability and pricing depend on your full driving record, county, and vehicle. Given the higher required limits, the premium spread between carriers is particularly large in Florida — compare multiple quotes before buying.

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How to file an FR-44 in Florida

Your insurer handles the filing — not you. The process:

  1. Buy a policy from a carrier that writes FR-44s in Florida with the required limits ($100k/$300k BI + $50k PD).
  2. Request the FR-44 filing — most carriers submit electronically to FLHSMV, often same day.
  3. Keep the policy active without any lapse for 3 years from your reinstatement date.
  4. When the term ends, confirm with your insurer that the FR-44 obligation is closed before reducing coverage.

Separate FLHSMV fees apply: a $75 revocation reinstatement fee and a $130 DUI administrative fee, paid directly to FLHSMV.

Still need your interlock sorted? Florida requires an ignition interlock for mandatory first offenses (BAC 0.15+ or minor in vehicle) and all repeat offenses. Only three providers are approved — Smart Start, Guardian, and ALCOLOCK. See Florida interlock requirements, costs, and approved providers →

Florida FR-44 FAQ

What is an FR-44 and how is it different from an SR-22?
Both are financial responsibility certificates filed by your insurer. An SR-22 proves you carry state-minimum liability coverage; an FR-44 proves you carry much higher limits — $100,000/$300,000 bodily injury and $50,000 property damage in Florida. The FR-44 is required after a DUI conviction in Florida (and Virginia). SR-22 is used in Florida only for non-DUI suspensions.
How long do I need an FR-44 in Florida?
3 years from your license reinstatement date, carried continuously. The clock starts at reinstatement, not conviction — confirm your exact end date with FLHSMV. Any lapse re-suspends your license and may reset the clock.
How much does an FR-44 cost in Florida?
The filing fee is only $15–25. The real cost is the premium at the required higher limits plus the DUI surcharge — typically $200–400+ per month for a first-DUI driver. The premium spread between carriers is large, making comparison especially important in Florida.
Do I need a car to get an FR-44 in Florida?
A non-owner FR-44 policy is available and satisfies the filing requirement if you don’t own a vehicle. It’s usually the cheapest option if you have no car to insure. Compare non-owner quotes →
What happens if my FR-44 lapses in Florida?
Your insurer notifies FLHSMV, your license is re-suspended, and you’ll owe reinstatement fees. The 3-year clock may reset from the lapse date. Set up autopay and confirm your renewal annually — a lapse near the end of your term can be especially costly.
Sources: FLHSMV — DUI & Ignition Interlock; FS §324.023; §322.2715; §316.193. Last verified August 2026.
Advertising disclosure: We may be compensated when you request quotes through our links. This doesn’t affect our information or carrier rankings. Content is informational only — not insurance or legal advice. Verify coverage requirements with a licensed Florida insurance agent.