If you’ve had a DUI in Florida, the state requires you to carry something called FR-44 insurance. Basically, it’s proof that you’re carrying higher liability limits than a standard policy.
Most people (and honestly, even a lot of agents) don’t fully understand FR-44. That’s where I come in-I’ve been helping Florida drivers with FR-44 policies since the law went into effect back in 2008. My goal is simple: get you back on the road quickly, with the right coverage, at the best rate possible.
Law Change (Oct 1, 2023): Florida dropped the rule that FR-44 policies had to be
“non-cancellable.” That means companies can now offer monthly payment plans instead of forcing you to pay in full upfront.
Progressive Led the Way (Apr 26, 2024): Progressive was the first big insurer to roll out monthly FR-44 payment options and allow drivers to add an FR-44 to an existing policy.
Now More Options: Other companies have followed, so you’ve got choices when it
comes to setting up your FR-44 coverage.
Heads up: The state (not your insurance company) will let you know when your FR-44 requirement ends.
You can always check your status here:
You don’t always need a regular car policy to meet the FR-44 requirement. You can file with:
A standard auto insurance policy
A non-owner policy (if you don’t own a car)
A recreational vehicle policy
Here’s what the process usually looks like:
If you’ve been Googling FR-44, you’ve probably noticed a ton of confusing and often flat-out wrong information. For example, many sites claim State Farm offers FR-44 filings in Florida-they don’t. In fact, they won’t even insure drivers with a DUI.
That’s why working with an experienced agent matters. I’ve been doing this since the law started, and I know which companies actually offer FR-44, which ones don’t, and how to set things up so you’re not overpaying.
I’ve helped hundreds of Florida drivers get their licenses back after a DUI, and I’d be glad to help you too. I’ll walk you through the options, explain the costs, and make the process as quick and painless as possible.
Choose the type of policy you need (car, non-owner, or RV).
Make your first payment (monthly plans are now available).
Your insurance company files it electronically with the state (takes~48 hours).
Verify your license here:
Visit the OMV once the filing is processed (sometimes a hard copy can speed things up).
QUESTIONS?
