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.
| What it is | Certificate your insurer files with FLHSMV proving you carry Florida’s higher post-DUI liability limits (FS §324.023) |
| Who needs it | Any driver with a DUI conviction on or after October 1, 2007 |
| How long you carry it | 3 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 minimums | Standard 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 lapses | Insurer notifies FLHSMV → license re-suspended → fees → clock may reset |
| SR-22 vs FR-44 | SR-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.
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:
| Carrier | Notes |
|---|---|
| State Farm | Often the most competitive standard carrier for FR-44 in Florida |
| Progressive Specialty | Strong non-standard market presence; frequently writes FR-44 statewide |
| Dairyland | Florida-active non-standard carrier; experienced with FR-44 requirements |
| Bristol West / Kemper Specialty | Non-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.
How to file an FR-44 in Florida
Your insurer handles the filing — not you. The process:
- Buy a policy from a carrier that writes FR-44s in Florida with the required limits ($100k/$300k BI + $50k PD).
- Request the FR-44 filing — most carriers submit electronically to FLHSMV, often same day.
- Keep the policy active without any lapse for 3 years from your reinstatement date.
- 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.