Florida FR44 Insurance FAQs

If you are convicted of driving under the influence of drugs or other intoxicants, you’ll need a Florida FR44. In fact, this will be a requirement in order to get your driver's license reinstated. 

Most consumers and many insurance agents are totally unfamiliar with Florida FR44 insurance, and recent changes have added to the confusion. 

This and other Florida FR44 Insurance FAQs are explained here.

Liability requirements are a minimum of $100,000 per person, $300,000 per accident of Bodily Injury Liability and $50,000 of Property Damage Liability (100/300/50). A single combined limit of $300,000 is also acceptable. 

The financial responsibility requirement for other drivers in Florida is 10/20/10. After a Florida FR44 policy is issued, it cannot be canceled and the compliance period is for three years from the date of conviction. The FR44 filing must be on a Florida insurance policy.

Most mainstream insurance companies don’t want drivers requiring a Florida FR44. In fact, most mainstream companies such as AutoNation, Nationwide, Geico, Allstate, and State Farm will charge absurd prices if they even take you at all. 

As with everything else in life, there are lesser-known companies that specialize in Florida FR44 insurance. While we shop all companies at our disposal, the most reasonable priced FR44 insurance policies usually come from our niche players in the Florida FR44 market.

The State filing fee for a Florida FR44 is just $15.00. However, increased liability limits, removal of safe driver discounts, and placement into a less favorable rating tier will ultimately increase your costs significantly.

Over time, maintaining high limits and continuous prior insurance will provide noticeable discounts that reduce rates. Also, this risk group has been very profitable for companies (agents too) and therefore competition will likely increase. 

After 3 years of maintaining a Florida FR44, the rating points will be removed and the discounts will continue.

In order to run quotes and ultimately bind the Florida FR44 insurance policy, we’ll need standard information such as  Name, Birth Date, Address, Driver’s License Number, VIN of your automobile (if you own a vehicle), etc.

Once the policy has been paid for, we immediately submit your FR44 Certificate to the DMV. While it can take up to 72 hours for the DMV to process that filing, you also have the option of hand carrying your Florida FR44 Certificate to the DMV for immediate processing.

The completed Florida FR44 form is electronically filed (submitted) to Florida’s Bureau of Financial Responsibility. After June 30, 2009, all companies must file electronically.

Most of the time the DMV does not accept proof of an FR44 Filing from policyholders, but we can fax the form to the DMV for you. It takes less than 5 minutes for us to complete that process. 

Insurance companies are also required to notify the bureau if there is a change to your FR44 policy status, such as cancellation, termination, or lapse for any reason.

The actual name of the form is the Florida Uniform Financial Responsibility Certificate FR-44. Florida statute 324.023 is applicable and effective after October 1, 2007. 

There are no driving restrictions associated with a Florida FR44 filing and Driver Exclusions are not permitted. There cannot be more than one Florida FR44 on the same driver (and why would you?). Non-compliance results in license and vehicle registration suspension.

We have the experience, knowledge, and product line to ensure you always have the best Florida FR44 insurance policy for your unique situation.

In most cases, we take 15 to 30 minutes to make the policy active, notify the appropriate authorities, submit your certificate electronically, and send you all required documents. 

In fact, it is entirely possible for you to call us from the DMV, purchase a policy, and leave with your license … all in under 30 minutes.