FR44 Insurance by City in Florida — We File in Every County

FR44 requirements are the same across all Florida counties: $100,000/$300,000 bodily injury + $50,000 property damage, 3 years from reinstatement. What varies is the insurance premium based on your ZIP code. We file electronically to DHSMV for every county — same day.

Major Florida Cities

Miami Orlando Tampa Jacksonville Fort Lauderdale St. Petersburg Hialeah Tallahassee Fort Myers Cape Coral Gainesville West Palm Beach Pembroke Pines Hollywood Miramar Coral Springs Clearwater Port St. Lucie Pompano Beach Palm Bay Lakeland West Palm Beach Pensacola Sarasota

Florida County Coverage

Miami-Dade County Broward County Palm Beach County Hillsborough County Orange County Pinellas County Duval County Lee County Brevard County Volusia County Polk County Seminole County Sarasota County Manatee County Collier County Alachua County Marion County Escambia County St. Lucie County Flagler County Charlotte County

How FR44 Works in Florida

No matter which Florida city or county your DUI occurred in, the FR44 process is the same:

  1. Purchase FR44 policy (owner or non-owner based on your vehicle situation)
  2. We file electronically with DHSMV — typically within hours
  3. Complete other reinstatement requirements (DUI school, fees, IID if required)
  4. DHSMV reinstates your license within 24–48 hours of confirming all requirements

FR44 Cost Varies by City

While coverage requirements are statewide, premiums are rated by ZIP code. Miami-Dade County rates are 40–60% higher than North Florida rates for identical drivers. Non-owner FR44 ($18–$45/month) is the same statewide for most risk profiles.

Get FR44 Filed Today — Any Florida County
Same-day electronic filing. Owner and non-owner policies.

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