Not all insurance companies write FR44 in Florida — and among those that do, pricing, filing speed, and service vary significantly. We've spent over 15 years filing FR44 certificates across all 67 Florida counties. Here's our 2026 carrier comparison based on real quotes issued, filing times verified, and customer feedback from thousands of Florida DUI drivers.
Not every carrier is licensed to file FR44 certificates with the Florida DHSMV. Among those that are, these are the criteria that separate a good FR44 carrier from a bad one:
Based on thousands of quotes issued through FR44 Experts, here are the carriers that consistently offer the best combination of price, filing speed, and customer service for Florida FR44 filings:
| # | Carrier | Specialty | Owner FR44 | Non-Owner FR44 | Down Payment | Electronic Filing |
|---|---|---|---|---|---|---|
| 1 | Dairyland Insurance | Specialty high-risk; SR22/FR44 focus | $95–$230/mo | $20–$45/mo | $0–$99 down | Same-day |
| 2 | Progressive | Large carrier; competitive DUI pricing | $100–$250/mo | $22–$48/mo | $0–$150 down | Same-day |
| 3 | Geico | Budget option; broad DUI acceptance | $90–$220/mo | $20–$42/mo | $25–$99 down | Same-day |
| 4 | Bristol West | Non-standard auto; FR44 specialist | $110–$275/mo | $23–$50/mo | $0–$99 down | Same-day |
| 5 | Gainsco Auto Insurance | Florida-based; high-risk focus | $105–$260/mo | $22–$48/mo | $0–$99 down | Same-day |
| 6 | The General | Specialty high-risk; accepts difficult cases | $120–$300/mo | $26–$55/mo | $0–$99 down | Same-day |
| 7 | National General | Non-standard market; strong FR44 presence | $105–$265/mo | $22–$50/mo | $50–$150 down | Same-day |
| 8 | Mercury Insurance | Growing FL presence; competitive rates | $100–$255/mo | $21–$47/mo | $50–$125 down | Same-day |
| 9 | Foremost Insurance | Specialty carrier; flexible payment plans | $115–$285/mo | $24–$52/mo | $0–$99 down | Same-day |
| 10 | State Farm | Standard market; acceptance varies by agent | $110–$280/mo | $24–$52/mo | $50–$200 down | Same-day |
Rates are estimates for a single first-offense DUI, 40-year-old driver, Hillsborough County (Tampa area), minimum required FR44 limits ($100K/$300K/$50K). Actual quotes depend on age, gender, marital status, driving record, vehicle (or non-owner), ZIP code, credit-based insurance score, and current carrier pricing algorithms. Each carrier reprices quarterly.
Dairyland (a Berkshire Hathaway company) is the carrier we place more FR44 policies with than any other. They specialize in high-risk auto insurance, file electronically within minutes, and consistently offer some of the lowest non-owner FR44 rates in Florida ($20–$45/month). Their $0 down payment option is available for qualified drivers, and they offer monthly billing with auto-pay. Dairyland also has the most lenient underwriting for multiple DUIs — they'll write policies for drivers with 2+ DUIs where other carriers decline.
Best for: Non-owner FR44, multiple DUIs, drivers needing lowest possible monthly payment
Downside: Customer service call center (not local agent) — but for FR44 you need speed, not hand-holding.
Progressive writes more high-risk auto policies nationally than any other carrier. Their FR44 owner policies are competitive ($100–$250/month), and they offer multi-vehicle, multi-policy, and paid-in-full discounts that can reduce your effective rate by 10–15%. Progressive's online portal lets you manage your policy, set auto-pay, and download your FR44 filing confirmation. They also have the broadest vehicle acceptance — if you drive a truck, sports car, or older vehicle, Progressive is likely your best bet.
Best for: Owner policies, multi-vehicle households, drivers wanting online self-service
Downside: Non-owner rates are slightly higher than Dairyland. Not all Progressive agents are FR44-authorized — work through an independent agent who knows which Progressive programs accept FR44.
Geico's electronic filing system is among the fastest in Florida — FR44 certificates are often submitted to DHSMV within 15 minutes of policy purchase. Their rates are competitive ($90–$220/month owner, $20–$42/month non-owner), and they have a user-friendly mobile app for policy management. Geico is particularly good for drivers who need their license reinstated the same day.
Best for: Same-day filing urgency, tech-savvy drivers, military/veteran discounts
Downside: Geico's underwriting is stricter — they may decline drivers with 2+ DUIs or recent license suspensions. Their FR44 not available through independent agents (captive carrier).
Bristol West (a Farmers Insurance Group company) specializes in non-standard auto insurance and offers some of the most flexible payment plans in the FR44 market. They accept $0 down for qualified drivers, offer monthly installments, and have lenient grace periods (10–15 days before SR26 filing). Their owner rates ($110–$275/month) are mid-tier but their payment flexibility makes them a strong choice for budget-constrained drivers.
Best for: Drivers needing $0 down, flexible payment schedules, grace period protection
Gainsco is headquartered in Dallas but has a strong Florida presence with dedicated FR44 underwriting. They offer competitive rates ($105–$260/month owner, $22–$48/month non-owner) and specialize in non-standard risk. Their filing speed is reliable (same-day electronic), and they work exclusively through independent agents — meaning you can only get a Gainsco quote through a broker like FR44 Experts.
Best for: Florida-specific risk pricing, independent agent access
The General accepts drivers that other carriers won't — multiple DUIs, suspended licenses, SR22/FR44 overlaps, out-of-state violations. Their rates are higher ($120–$300/month owner), but they offer $0 down payment options and flexible monthly billing. If you've been declined by other carriers, The General is your backstop.
Best for: Multiple DUIs, prior lapses, drivers declined elsewhere
Florida requires higher liability limits for FR44 than any other state requires for SR22. This is why FR44 costs more than SR22 — the coverage mandates are 10x higher for bodily injury:
| Coverage Type | FR44 (Florida) | SR22 (Other States) | FL Minimum (No FR44) |
|---|---|---|---|
| Bodily Injury — Per Person | $100,000 | $25,000–$50,000 | $10,000 (PIP only) |
| Bodily Injury — Per Accident | $300,000 | $50,000–$100,000 | $20,000 |
| Property Damage | $50,000 | $25,000 | $10,000 |
| Total Liability | $450,000 | $100,000–$175,000 | $40,000 |
Per Florida Statutes § 324.023 — FR44 requires combined limits of $100K/$300K/$50K. This is non-negotiable — no carrier can file FR44 at lower limits.
Before choosing a carrier, you need to determine whether you need an owner or non-owner FR44 policy. This single decision affects your monthly cost more than any other factor:
| Policy Type | Who It's For | Monthly Cost Range | 6-Month Total |
|---|---|---|---|
| Non-Owner FR44 | Don't own a vehicle, borrow/rent occasionally | $18–$55/mo | $108–$330 |
| Owner FR44 (Standard) | Own 1 vehicle, single DUI | $90–$250/mo | $540–$1,500 |
| Owner FR44 (Multiple Violations) | Own 1 vehicle, 2+ DUIs or prior FR44 lapse | $180–$500/mo | $1,080–$3,000 |
FR44 rates vary significantly by county — densely populated counties (Miami-Dade, Broward) typically have higher base rates than rural counties. Here's how carrier pricing breaks down across Florida's 67 counties:
| Tier | Counties | Non-Owner FR44 Avg | Owner FR44 Avg |
|---|---|---|---|
| Tier 1 (Highest) | Miami-Dade, Broward, Palm Beach | $30–$55/mo | $140–$300/mo |
| Tier 2 (High) | Hillsborough, Orange, Pinellas | $25–$48/mo | $120–$270/mo |
| Tier 3 (Medium) | Lee, Polk, Brevard, Volusia, Pasco | $22–$45/mo | $110–$250/mo |
| Tier 4 (Lower) | Escambia, Saguaro, Bay, Okaloosa | $20–$40/mo | $100–$230/mo |
| Tier 5 (Lowest) | Liberty, Lafayette, Dixie, Gilchrist, Union | $18–$35/mo | $90–$210/mo |
Rates shown are averages across 10 carriers for a first-offense DUI, age 30–50, clean record otherwise. Your actual rate will vary based on driving history, vehicle, and carrier algorithm.
For non-owner FR44, Dairyland Insurance consistently offers the lowest rates ($20–$45/month). For owner policies, Geico and Progressive are typically cheapest for first-offense DUI drivers ($90–$250/month). However, the cheapest carrier varies by driver profile — the only way to know is to compare quotes from 3+ carriers. An independent agent like FR44 Experts can shop all carriers simultaneously at no cost.
Yes, Geico writes FR44 in Florida and offers electronic same-day filing. Their rates are competitive ($90–$220/month for owner policies, $20–$42/month for non-owner). Geico is known for fast filing — often within 15 minutes of purchase. However, Geico's underwriting is stricter than specialty carriers; drivers with multiple DUIs or recent suspensions may be declined.
State Farm and Allstate both write FR44 in Florida, but their acceptance criteria vary by individual agent. Some agents won't accept DUI-risk drivers at all. Both carriers tend to be more expensive than specialty FR44 carriers ($110–$280/month owner). They also only quote their own rates — they can't shop competitors. If you're already a State Farm/Allstate customer, ask your agent about FR44, but always compare with independent quotes.
For a second DUI, Dairyland and The General are the top choices — they specialize in high-risk cases and accept drivers that standard carriers decline. Expect owner rates of $180–$500/month after a second DUI. Non-owner may still be available at $35–$65/month if you don't own a vehicle. A second DUI also triggers a 5-year license revocation and ignition interlock requirement in Florida — the FR44 filing period may extend beyond the standard 3 years.
Non-owner FR44 averages $18–$55/month. Owner FR44 for a first DUI averages $90–$300/month. For a second DUI, owner policies run $180–$500/month. The exact rate depends on your county, age, driving record, vehicle, and which carrier you choose. The spread between cheapest and most expensive carrier for the same driver is typically 30–50% — which is why comparison shopping is critical.
Yes, you can switch carriers anytime — but you must maintain continuous coverage. The new carrier files a new FR44 certificate, and the old carrier files SR26 (cancellation). As long as there's no gap between the two, your license stays valid. Many drivers switch after 12–18 months when their DUI ages and better rates become available elsewhere. Never cancel your old policy until the new one is active and the FR44 filing is confirmed.
You can go direct to some carriers (Geico, Progressive direct), but you'll only get that one carrier's rate. An independent agent shops 5+ carriers simultaneously and finds the cheapest rate for your specific profile. Independent agents also handle the FR44 filing paperwork and can catch errors that would delay your license reinstatement. Using an independent agent costs you nothing — the carrier pays the commission, not you.
FR44 Experts is an independent insurance agency licensed in Florida (License #PR333723, NPN #17260454). We shop quotes from all the carriers listed above — plus others — to find you the lowest FR44 rate. Our process:
Compare FR44 Quotes from 5+ Carriers — Free
Same-day electronic filing. All 67 Florida counties. Licensed Florida agents.
Call (855) 678-6977 or get your quote online.