Coverage explained

FR-44 insurance in Florida

After a DUI conviction, Florida requires an FR-44: a filing proving you carry at least $100,000/$300,000 bodily injury and $50,000 property damage liability. It usually lasts three years.

Reviewed by David Diaz-Fernandez, Licensed Customer Representative · Last checked 2026-11-05

Leer en español

What it pays for

Nothing on its own: it proves your policy carries the higher limits

What it doesn’t

Lower your price
End early if you cancel the policy

A real-life example

After a DUI conviction, you need an FR-44 to get your license back. Your policy must carry at least 100/300 bodily injury and $50,000 property damage, and the insurer files the FR-44 with the state, usually for three years. If the policy lapses at any point, the insurer reports it.

Illustrative numbers. What a claim pays depends on your policy wording, limits and deductible.

The Florida rule

Limits of 100/300/50. A lapse is reported to the state and can suspend your license again.

What most drivers pick

David handles FR-44 quotes by phone, because only some carriers write them and the details matter.

What it does to the price

The DUI itself raises the price, and the higher limits add cost. Shopping matters more here than anywhere.

Questions

Can I get an FR-44 without a car?

Often, yes, through a non-owner policy. Ask David.

Go deeper

High-risk drivers

SR-22 vs FR-44 in Florida: what they are and how long you need one

Both are forms your insurance company files with the state to prove you carry liability coverage. An SR-22 proves at least 10/20/10 and usually follows a serious violation or an uninsured crash. An FR-44 proves at least 100/300/50 and follows a DUI conviction. Neither is a type of insurance by itself; it's a filing attached to your policy.

3 min readChecked 2026-11-06

Other coverage

Your policy’s wording decides what’s covered. David can walk you through yours.