120+ more*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on June 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on June 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Updated
An FR-44 form is a certificate of financial responsibility required after a DUI conviction in Florida.
The average cost of car insurance for drivers with an FR-44 in Florida is $221 per month.
Drivers convicted of a DUI will need to obtain an FR-44 to reinstate driving privileges.[1]
If you’re convicted of driving under the influence (DUI) in Florida, you’ll be required to secure an FR-44 form.
An FR-44 is not a type of insurance; it’s a certificate of financial responsibility. It proves you carry the higher level of liability coverage the state requires to reinstate your license after a DUI.
Florida’s minimum insurance requirements include $10,000 in property damage liability and $10,000 for personal injury protection (PIP).[2] With an FR-44, you’ll need to have significantly higher liability limits, including $100,000 in bodily injury liability per person and $300,000 per accident, plus $50,000 in property damage liability per accident.[3]
If you fail to maintain continuous coverage for three years, you face license suspension for non-compliance.[1]
You can learn more about Florida’s FR-44 requirements in the table below.
FR-44 Insurance  | Florida Requirement |
|---|---|
| Who needs an FR-44 | Drivers who have committed serious alcohol-related driving offenses |
| State-minimum liability limit | 100/300/50 |
| Filing fee | $15–$25 |
| Duration | Must maintain for 3 years |
| Policy lapses | You face re-suspension |
| Reinstatement fee | $150, $250, or $500 |
Liability rates average $162 per month
The average cost of car insurance for drivers with an FR-44 in Florida is $162 per month for liability-only coverage that meets the higher limits set by the state following a DUI.
If you require an FR-44 in Florida, this can cause your insurance rates to increase significantly as insurers see you as a high-risk driver. With an FR-44, you also need to purchase higher liability coverage, which will increase your rates.
Other factors that can influence the cost of your coverage include the severity of the driving violation, your driving record, and the insurance company you choose.
The following table shows the average monthly liability costs for Florida drivers with different driving profiles.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $137 | $235 |
| With FR-44 | $162 | $279 |
| With accident | $174 | $299 |
| With speeding ticket | $160 | $274 |
The cheapest company for FR-44 coverage in Florida is Progressive, but rates can vary based on individual factors like your driving history, vehicle, where you live, and more.
To find the cheapest FR-44 insurance in Florida, you can compare insurance quotes from multiple companies in the table below.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Progressive | $92 | $166 |
| State Farm | $95 | $153 |
| Mile Auto | $100 | $186 |
| Clearcover | $101 | $244 |
| GEICO | $109 | $221 |
| Dairyland | $121 | $371 |
| Embark | $124 | $301 |
| Infinity | $132 | $301 |
| Direct Auto | $141 | $240 |
| GAINSCO | $142 | $333 |
| Mercury | $142 | $212 |
| The General | $151 | $283 |
| Bristol West | $161 | $251 |
| AssuranceAmerica | $165 | $299 |
| Allstate | $166 | $264 |
| National General | $170 | $223 |
| Root | $183 | $330 |
| Travelers | $197 | $315 |
| Mendota | $266 | $411 |
| First Acceptance | $270 | $391 |
| Liberty Mutual | $270 | $351 |
If you’re convicted of driving under the influence in Florida, you’ll need to obtain an FR-44 as a condition of reinstating your driving privileges.
Under Florida law, you’re guilty of a DUI if you’re under the influence of alcohol or drugs that impair your normal faculties. This includes having a blood-alcohol level of 0.08 or more grams of alcohol per 100 milliliters of blood or a breath-alcohol level of 0.08 or more grams of alcohol per 210 liters of breath. If convicted, you’ll need to carry higher liability coverage for three years.
If you’re convicted of a less severe traffic violation, such as reckless driving or another non-alcohol-related offense, you may need SR-22 insurance to prove you carry the state-minimum liability coverage.[2]
If you need to get FR-44 insurance in Florida, follow these steps:
Talk to your insurer. Speak to an insurance agent to see if your insurance company files FR-44s. Not all insurers offer this service due to the elevated risk with DUI-related coverage.
Compare coverage. If your insurer doesn’t file FR-44s, shop around to find a company that offers affordable coverage and will file an FR-44.
Purchase a policy. Once you find an insurer that offers FR-44s, purchase an auto insurance policy with the required coverage limits of 100/300/50.
Request an FR-44 filing. Your insurer will add the FR-44 form to your policy and file it with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Some insurance companies can issue your FR-44 the same day with electronic filing. This filing may come with a $15–$25 fee.
Maintain coverage. Remember, you have to keep your policy active for three years. If you cancel your policy or your coverage lapses, your license may be suspended.
Check quotes from 120+ top insurance companies
Drivers with an FR-44 in Florida must maintain it for three years. But the exact timing can change if you get another DUI during this period or if there’s a lapse in coverage.
If you cancel your FR-44, your insurance company will submit an FR-46 form to notify the FLHSMV of the cancellation. Any type of lapse in coverage can result in a license suspension.
Common barriers to getting FR-44 insurance in Florida include finding an insurer that issues an FR-44 and the elevated cost of insurance premiums.
If you’ve been convicted of driving under the influence in Florida, you may need to file an FR-44 form to prove you carry the state-required higher level of liability insurance. The following questions and answers provide additional information about the FR-44 form.
The average insurance cost for drivers with an FR-44 in Florida is $162 per month for liability-only coverage. This is higher than the state average of $137 for liability coverage. These higher rates reflect the increased coverage limits required and the increased risk insurers see in drivers requiring such coverage.
If you’re convicted of driving under the influence in Florida, you’ll need to obtain an FR-44 as a condition of reinstating your driving privileges.
Drivers with an FR-44 in Florida are required to maintain it for three years. If you cancel or have a lapse in coverage, your insurer will notify the FLHSMV, and your license may be suspended.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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