FR44 in Florida

While the duration might vary, an FR-44 is usually required for three years. But to be sure, double check with the court or your state's DMV to know how long you must keep this certificate on file. If your insurance policy lapses before your designated term is up, the DMV will be notified by your insurance provider and your license may be suspended.

Insurance rates are determined by multiple factors, including:

• Driving experience and history

• Age

• Marital status

• Where you live

Additionally, requiring an FR-44 deems you a high-risk driver, which increases your insurance rates.

Researching available auto insurance discounts can help reduce the cost of your insurance.