Being convicted of driving under the influence (DUI) of alcohol or other drugs in Florida can have a major impact on your auto insurance coverage and rates. One significant consequence is that you must meet the FR-44 insurance Florida requirements when your license is reinstated.
An FR-44 proves that you have the required liability insurance per state policy. It is not the auto coverage itself. Learn about the consequences of a DUI conviction in Florida, how a standard car insurance policy with an FR-44 certificate works in the state and reasons for shopping around.
- The insurance minimums required in Florida with an FR-44 are $100,000 per person for bodily injury liability, $300,000 per accident for bodily injury liability and $50,000 per person for property damage liability.
- Florida law requires your FR-44 certificate to be kept on file for at least three years.
- Florida and Virginia only require an FR-44 certificate after a DUI conviction.
What are Florida’s FR-44 insurance requirements?
An FR-44 is similar to an SR-22, but an FR-44 carries much higher minimum liability insurance requirements in Florida. Florida also uses an SR-22, but it’s for less severe traffic violations only. When you’re required to obtain an FR-44 certificate, you must have auto insurance in place.
The insurance minimums required in Florida with an FR-44 are:
- $100,000 per person for bodily injury liability
- $300,000 per accident for bodily injury liability
- $50,000 per person for property damage liability
What is an FR-44 in Florida?
An FR-44 form is a certificate of financial responsibility (FR). An FR-44 demonstrates that you carry required liability insurance after being convicted of a DUI. An FR-44 isn’t insurance. It’s a document that proves you meet Florida’s property damage liability insurance requirements.
Auto insurance companies issue the FR-44, filed with the Florida Department of Highway Safety and Motor Vehicles, or HSMV, once your premium is paid in full. You’re also not allowed to cancel your insurance coverage.
“An FR-44 certificate is like a rider the government requires when an owner or operator of a vehicle is convicted of a DUI,” says Andrew Mallory, partner at Byrne Mallory in St. Petersburg, Florida. “Without this FR-44 form, your license can be revoked.”
Friedlander says that filing an FR-44 form in Florida typically costs $15 to $25. This certificate must remain on file for at least three years.
How long do you have to carry FR-44 insurance in Florida?
Florida law requires your FR-44 certificate to be kept on file for at least three years. Florida and Virginia only require an FR-44 certificate after a DUI conviction. Keep a clean driving record and the FR-44 requirement will expire after 36 months.
What are the consequences of a first DUI conviction in Florida?
A DUI conviction in Florida can stay on your motor vehicle record for up to 75 years.
“Florida has one of the most stringent DUI regulations in the United States, and this conviction can haunt you for the rest of your life,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute.
The repercussions of a first DUI conviction in Florida can include the following:
- Fines: Fines from $500 to $2,000
- Vehicle impoundment: 10 days
- Driver’s license revocation: For the first offense without bodily injury — 180 days to one year; first offense with bodily injury — a minimum of three years
- Imprisonment: For your first conviction, you could be sentenced to six to nine months in jail
Learn how much your insurance goes up after a DUI
How much is the average cost of FR-44 insurance in Florida?
In Florida, the annual average rate after a DUI is $3,997 – 37% more than the average rate of $2,927. Drivers pay an average of 186% or $3,565 annually more for their auto policy if they have two DUIs on their record.
What is the difference between an SR-22 and an FR-44 in Florida?
Say your driver’s license was suspended for a non-DUI-related offense. In this case, the Florida Department of Highway Safety and Motor Vehicles may require you to obtain an SR-22 certificate of financial responsibility instead of an FR-44 certificate.
As with an FR-44, an SR-22 verifies that you purchased sufficient vehicle insurance coverage required by Florida to reinstate your driving privileges.
“A key difference between these two certificates is that you are only required to carry the minimum liability limits with an SR-22 certificate versus being required to carry higher liability limits with an FR-44,” Friedlander says.
Florida’s minimum liability limits don’t include bodily injury liability coverage minimums, but the state does require a minimum of $10,000 in property damage liability and personal injury protection coverage in the amount of $10,000.
Where can I get cheap car insurance with an FR-44?
If you’ve been convicted of a DUI, immediately contact your auto insurance company and advise them of the circumstances. Expect your auto insurance premium to increase.
Of course, you can shop for a new carrier and auto insurance policy instead of paying the higher premium to find the cheapest FR-44 insurance. However, if you select a new auto insurance company, they will still need to issue and file an FR-44 on your behalf. An FR-44 certificate will categorize you as a high-risk driver, regardless of the car insurance company.
“This status could increase your premium by 100% or more for coverage compared to a driver without an FR-44,” Friedlander says.
How to get lower insurance rates in Florida when you have an FR-44
To improve your chances of lowering your FR-44-related auto insurance costs, here are a few tips:
- Bundle your auto insurance with a home, condo or renters insurance policy.
- Ask for a higher deductible. Higher deductibles result in lower premiums.
- Consider dropping collision and comprehensive coverage if you have an older car, as insurance typically only covers up to the vehicle’s worth.
- Take a defensive driving course, which could trigger a discount.
Getting FR-44 insurance without a vehicle in Florida
You’ll still need to file an FR-44 certificate of financial responsibility if you don’t own a vehicle but want to keep your driver’s license and want the ability to drive someone else’s car. In this case, a non-owner car insurance policy (also referred to as a named operator liability policy) is a good option.
“Basically, this policy is a more affordable option for someone who doesn’t own a vehicle and won’t be driving their own for some time. It’s seen as secondary coverage and insures someone no matter what vehicle they drive,” says David Fuchs, an injury and accident attorney in Fort Lauderdale, Florida.
Friedlander says this policy is designed to maintain continuous coverage for non-owning drivers who may require liability insurance for reasons such as:
- You frequently rent a car.
- You regularly borrow a car from a friend or neighbor but aren’t listed as an insured driver on their personal auto policy.
- You are attempting to get a driver’s license.
- Your license is suspended, and you need to file an SR-22.
- You’ve been insured for some time but are between cars and desire uninterrupted insurance coverage.
“Note that a non-owner car insurance policy provides third-party coverage for the named insured only. No other drivers can be listed on the policy,” Friedlander says. “A non-owner policy provides bodily injury and property damage liability if you are in an at-fault accident. It can also cover you for injuries caused by an uninsured or underinsured driver. But it does not cover damage to any vehicle.”
How do I get a FR-44 removed in Florida?
It’s possible to apply to remove the FR-44 filing from an active policy, which can then be canceled. However, if the FR-44 requirement remains in force, a replacement for the canceled policy is mandatory, or the driver’s license could be suspended. Upon cancellation, you might be required to provide a recorded statement under oath detailing your reasons and your plan to ensure continued compliance.
Final thoughts: FR-44 car insurance in Florida
When shopping for FR-44 insurance in Florida, get quotes from different insurers to make sure you’re paying the cheapest price for car insurance. As always, get quotes from at least three companies and research insurance company ratings when shopping for a policy.
Discover the ins and outs of car insurance with an FR-44 in Virginia
Resources & Methodology
Sources
- Florida Department of Highway Safety and Motor Vehicles. “Florida DUI and Administrative Suspension Laws.” Accessed October 2023.
- Florida Department of Highway Safety and Motor Vehicles. “Florida Insurance Requirements.” Accessed October 2023.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.