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Florida FR44 Insurance

Receiving a DUI in Florida is probably one of the most frustrating events of your life. While there’s nothing we (or anybody) can do to make it a “Cheap Experience” overall, we can certainly make it CHEAPER. We specialize in Non-Owner and Owner Florida FR44 Insurance Policies. By shopping the market across multiple insurance companies, we’re able to find the lowest FR44 insurance pricing with A-rated or better companies. This philosophy allows us to repeatedly sell literally thousands of policies each year while giving Floridians what they’re looking for… getting their driver's license reinstated. In fact, by shopping the market, we generally find Florida FR44 policies that are thousands of dollars cheaper than competing quotes. Let us find you the lowest price today! Call us at 1-800-952-5221 or 813-960-5225. 

SR22 Insurance in Florida

If you've been determined to be a high-risk driver in Florida, the state may suspend your license and require you to get SR22 insurance in order to reinstate your driving privileges. You might be considered a high-risk driver due to getting in an accident while uninsured, having too many points on your record or another reason.

SR-22 insurance isn't a separate type of auto insurance, but it is an auto insurance policy that has an SR-22 endorsement attached. An SR-22 form can also be attached to a motorcycle insurance policy. In order to reinstate your license, you need to purchase a policy that meets Florida's required liability insurancelimits, and then the insurer needs to submit an SR-22 form on your behalf. This form acts as proof of coverage, letting the state know you have an insurance policy with at least:

  • $10,000 of bodily injury coverage per person in an accident
  • $20,000 of bodily injury coverage per accident
  • $10,000 of property damage coverage per accident

How long you need to have an SR-22 filing in place can vary, so we recommend confirming with the DMV. But in most cases, you'll need to have the SR-22 in place for at least three years in Florida before you can purchase a policy without one. If, during that period, your policy lapses or is canceled and you are uninsured, your license will likely be suspended again and you'll have to pay a second fee to have it reinstated, in addition to the cost of insurance.

When you purchase SR-22 insurance, there's a small filing fee the insurer will generally pass on to you. And, while the insurer will typically continue to file the SR-22 form on your behalf when you renew your policy, we recommend you confirm this, as the state is not required to notify you if a renewal date is approaching or the form hasn't been filed.

Note that if you move out of state during the period during that you're required to file an SR-22 in Florida, that requirement doesn't go away. You'll need to contact an insurer about getting an out-of-state filing on your behalf, as coverage needs to remain in place in the state.

An FR-44 insurance policy is similar to an SR-22, in that it's an auto insurance policy with an endorsement. The insurer electronically files a certificate of financial responsibility with the state of Florida to show proof that you're carrying the required liability insurance coverage. And if there's a lapse in coverage, such as if your policy is canceled or lapses due to nonpayment, your insurer must notify the state that coverage is no longer in place.

However, FR-44 insurance is generally only required if you've been found guilty of driving under the influence (a DUI) or driving while intoxicated (a DWI), as you're considered a higher-risk driver. Therefore, FR-44 insurance is sometimes referred to as "DUI insurance." DUI convictions are considered quite serious, and the liability insurance requirements for FR-44 insurance in Florida are significantly greater than those for SR-22 insurance. In addition to PIP (personal injury protection) coverage, you'll need to have a policy with liability limits of at least:

  • $100,000 of bodily injury liability coverage per person injured in an accident
  • $300,000 of bodily injury liability coverage per accident
  • $50,000 of property damage liability coverage per accident

The amount of time you'll need to carry FR-44 insurance in Florida will vary depending upon your particular situation, so it's good to confirm, but the filing is generally required for three years from the date of your conviction. And, unlike SR-22 insurance, you'll need to have the FR-44 form in place for three consecutive years with no lapses in coverage. Otherwise, your license will no longer be reinstated and you will need to start the three-year period over again.

Florida also has stricter requirements for drivers with regard to paying for FR-44 insurance. Unlike SR-22 insurance, you can't make monthly payments for a FR-44 policy. Instead, you'll generally need to pay premiums for at least six months at a time, though this requirement may be relaxed upon renewal.

Non-Owner SR-22 and FR-44 Insurance in Florida

If you're required to obtain a SR-22 or FR-44 filing to reinstate your license in Florida, but don't have a car registered in your name, you can fulfill this obligation through a nonowners insurance policy.

A nonowner SR-22 or FR-44 insurance policy is similar to a standard owners auto insurance policy, in that it includes bodily injury and property damage liability coverage. It offers coverage whenever you drive a car that you don't own, such as if you borrow a friend's vehicle. And your insurer can add an SR-22 or FR-44 endorsement to a nonowners policy and submit a filing to the state, meaning you can fulfill the requirement to have your license reinstated.

The key differences are that a nonowners insurance policy doesn't require PIP coverage, just liability coverage, and a non owners policy can be significantly less expensive than an owners policy. You just need to make sure that the liability limits of your nonowners policy meet Florida's requirements for SR-22 or FR-44 insurance.

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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Northside Insurance Agency, Inc.
14009 N. Dale Mabry Hwy, Tampa, FL 33618
Call: 813.960.5225 Call: 800.952.5221

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