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Sam and KJ walking out of Florida DMV with reinstated driver's license
Florida's FR44 Specialists

Get Your FR44 Filed.
Today. Fast. Cheap.

License suspension from a DUI? We get your FR44 filed in 30 minutes or less at the lowest rate — guaranteed.

Get My Free Quote → (855) 678-6977
Get Your License Back Today.
⚡ Filed in 30 Minutes
💰 Lowest Rates Guaranteed
🛡️ All State-Approved Carriers
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What is FR44 Insurance?

If Florida suspended your license after a DUI, you need an FR44 to get it back. Here's what that means.

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State-Mandated Filing

Florida requires an FR44 certificate proving you carry 100/300/50 liability coverage — double the normal requirement. Without it, the DMV won't reinstate your license.

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Most Carriers Won't Touch You

Progressive, GEICO, State Farm — they either refuse DUI drivers or charge absurd rates. We work exclusively with state-approved specialists who price fairly.

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We Shop the Market For You

All state-approved FR44 carriers offer the same mandated coverage. The only difference is price. We find the lowest one and get you filed fast.

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3-Year Requirement

You'll carry FR44 for 3 years from license reinstatement. One lapse resets the clock. We'll help you stay continuous without breaking the bank.

How It Works

Three steps. Thirty minutes. Done.

1

Get a Quote

Fill out the form below or call us. We'll compare rates across all state-approved carriers instantly.

2

Pick Your Policy

We present the best options for your situation — owner or non-owner, monthly or upfront. You choose.

3

FR44 Filed

We file directly with Florida DHSMV. Most policies are filed within 30 minutes of payment. License reinstatement starts immediately.

Get Your Free Quote

Takes 60 seconds. No obligation. One of our specialists will call you back fast.

🔒 Your info is private. We never sell your data. Expect a call within minutes during business hours.

Owner vs. Non-Owner FR44

Choosing the right policy type is the single biggest factor in your rate. Here's the difference.

Best for: No car

Non-Owner Policy

  • Covers you as a driver, not a vehicle
  • Much cheaper than owner policy
  • Works when borrowing or renting cars
  • Satisfies Florida 100/300/50 requirement
  • No collision or comprehensive coverage
Get Non-Owner Quote
Best for: Car owners

Owner Policy

  • Covers you AND your vehicle
  • Add Full Coverage or Liability Only
  • Required if you're financing a vehicle
  • Satisfies ignition interlock companies
  • Higher premium than non-owner
Get Owner Quote

Not sure which you need? Read our full comparison guide or just call — we'll figure it out in 2 minutes.

What Clients Say

Real people who needed to get back on the road — fast.

★★★★★

"Called at 9am, FR44 was filed by 9:35. I've been dealing with this nightmare for weeks and these guys had it done before I finished my coffee."

Marcus T.
Orlando, FL
★★★★★

"I didn't own a car so I was confused about what I even needed. They explained the non-owner policy in like 5 minutes and the price was way lower than I expected."

Jennifer K.
Tampa, FL
★★★★★

"Three other agents told me there was nothing they could do for my situation. FR44 Experts had a policy in my hands the same day. Absolute lifesavers."

David R.
Jacksonville, FL

Frequently Asked Questions

Everything you need to know about getting your FR44 filed in Florida.

What is FR44 insurance in Florida?
FR44 is a Florida-specific insurance filing required after a DUI conviction. It proves you carry higher liability coverage (100/300/50) mandated by the state — double the normal minimum. The DMV will not reinstate your license without it.
How fast can you file my FR44?
Most FR44 policies are filed within 30 minutes of your payment being processed. Same-day filing is our standard — not a premium upsell.
What does FR44 insurance cost in Florida?
Non-owner policies are typically the cheapest option. Owner policies vary based on your vehicle, driving record, and chosen coverage. Because we shop multiple state-approved carriers, we consistently find rates lower than what you'd get going direct.
Do I need an owner or non-owner FR44 policy?
If you don't own a vehicle, a non-owner policy is almost always cheaper and covers you. If you own a car, you need an owner policy. If you're financing, your lender likely requires full coverage anyway. Call us and we'll tell you in 2 minutes.
How long do I need to carry FR44 in Florida?
Florida requires continuous FR44 coverage for 3 years from reinstatement of your driving privileges. Any lapse — even one day — resets the clock. We'll remind you well before renewal time.
Can I pay monthly instead of the full 6 months upfront?
Most state-approved carriers require a 6-month upfront payment. However, a few carriers do offer monthly payment plans. We'll find out which option is available for your specific situation when we shop carriers.
What's the difference between FR44 and SR22?
Both are state-required insurance certificates, but FR44 is Florida-specific and requires higher liability limits (100/300/50 vs 10/20/10 for SR22). FR44 is required for DUI-related suspensions in Florida; SR22 covers other violations. We handle both.

Ready to Get Back on the Road?

Call us or fill out the form. We'll handle the rest.

📞 Call (855) 678-6977
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