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An FR44 insurance quote gives you the exact cost of your required Florida FR44 filing. Unlike standard auto insurance quotes, an FR44 quote must include the elevated liability coverage mandated by Florida Statutes § 324.023 — $100,000 per person bodily injury, $300,000 per accident, and $50,000 property damage (100/300/50). We shop every authorized Florida carrier to find you the lowest possible rate for this specific coverage.
Florida law mandates these minimum liability limits for all FR44 filings. Your quote will always include these amounts — no carrier can file an FR44 with lower limits.
| Coverage Type | FR44 Required Minimum | Standard FL Minimum | SR22 Required Minimum |
|---|---|---|---|
| Bodily Injury — Per Person | $100,000 | $10,000 | $25,000 |
| Bodily Injury — Per Accident | $300,000 | $20,000 | $50,000 |
| Property Damage | $50,000 | $10,000 | $25,000 |
Your policy type is the #1 cost factor. Here's what to expect for 6-month premiums in Florida.
| Policy Type | 6-Month Premium Range | Down Payment Range | Best For |
|---|---|---|---|
| Non-Owner FR44 | $350 – $700 | $100 – $200 | Don't own a car, need license reinstatement |
| Owner — Liability Only | $800 – $1,800 | $200 – $500 | Own a car, no lender requirements |
| Owner — Full Coverage | $1,200 – $2,500+ | $300 – $700 | Financed vehicle or interlock required |
Rates are estimates. Your exact quote depends on age, county, carrier, DUI severity, and prior driving record.
We're independent agents — we work for you, not the insurance companies. Here's every carrier we quote for Florida FR44.
| Carrier | Non-Owner 6-Mo | Owner 6-Mo | Monthly Option | Filing Speed |
|---|---|---|---|---|
| Progressive | $400 – $650 | $900 – $1,800 | Yes | Same day |
| Dairyland | $350 – $600 | $850 – $1,700 | Yes | Same day |
| Bristol West | $375 – $625 | $875 – $1,750 | Yes | Same day |
| Gainsco | $360 – $610 | $825 – $1,650 | Yes | Same day |
| The General | $400 – $700 | $950 – $2,000 | Yes | Next day |
| National General | $385 – $640 | $900 – $1,800 | Yes | Same day |
| Mercury | $370 – $620 | $880 – $1,750 | No | Same day |
| Foremost | $395 – $660 | $925 – $1,850 | No | Same day |
Each carrier prices FR44 risk differently based on their underwriting guidelines. Progressive might be cheapest for a 25-year-old in Miami-Dade, while Dairyland might be cheapest for a 45-year-old in Duval. We run quotes across all carriers simultaneously and show you the lowest result — not the one that pays us the highest commission.
Seven factors determine your exact rate. Understanding these helps you know what to expect.
The single biggest factor. Non-owner policies are 50-70% cheaper because they don't cover a specific vehicle. If you don't own a car, always choose non-owner.
Drivers under 25 pay the highest FR44 rates. Rates drop significantly at 25, again at 30, and stabilize after 35. A 22-year-old's quote can be 2-3x what a 40-year-old pays for the same policy.
Rates vary by county due to accident statistics, traffic density, and claims data. Miami-Dade, Broward, and Orange tend to have the highest rates. Rural counties like Lafayette and Liberty are typically cheapest.
A first DUI with BAC under 0.15 gets better rates than a DUI with BAC over 0.15 or a DUI with property damage/injury. Second DUI within 5 years dramatically increases quotes across all carriers.
If you had continuous insurance before your DUI, carriers offer better rates. A lapse in coverage before the FR44 requirement flags you as high-risk and increases every quote.
Paying the full 6-month premium upfront gets you the lowest rate. Monthly payment plans cost 10-20% more over the policy term due to installment fees and higher base pricing.
If the court ordered an ignition interlock device (IID), you must carry an owner policy — non-owner won't work. This eliminates the cheaper non-owner option and increases your total cost.
Florida allows carriers to consider credit-based insurance scores. Better credit generally means lower FR44 quotes. However, some carriers (like Dairyland) don't heavily weight credit, so we can still find competitive rates if your credit took a hit.
From quote to filed — in three simple steps.
Fill out the form above or call (855) 678-6977. We shop all 8+ state-approved carriers and return the lowest rate in minutes. No obligation, no hard sell.
Review your quote, pick your carrier and payment plan, and make your payment. We'll confirm your policy details and answer any questions before you commit.
We file your FR44 electronically with the Florida DHSMV immediately. You'll receive confirmation — typically within 30 minutes of payment. Your license reinstatement is now in motion.
Once your FR44 is filed electronically, the DHSMV updates your driving record within 24-48 hours. You can then visit your local tax collector or DHSMV office to complete license reinstatement. Some reinstatements can be completed online at the FLHSMV website. The FR44 must be maintained continuously for 3 years from your reinstatement date — any lapse restarts the 3-year clock.
Answers to the most common questions about getting a Florida FR44 insurance quote.
You can get a free FR44 quote by filling out the form on this page, calling (855) 678-6977, or using our online quote tool. We shop all state-approved Florida carriers instantly and return the lowest rate. Most quotes take less than 5 minutes. You'll need your Florida driver's license number, date of birth, county, and DUI date — that's it.
Florida FR44 insurance costs vary based on policy type, age, county, and driving history. Non-owner FR44 policies typically range from $350 to $700 for a 6-month policy. Owner FR44 policies range from $800 to $2,500+ for 6 months. The cheapest carrier varies by individual profile, which is why we quote all carriers simultaneously.
We quote every Florida-authorized FR44 carrier including Progressive, Dairyland, Bristol West, Gainsco, The General, National General, Mercury, and Foremost. Each carrier prices FR44 risk differently, so we shop all of them to find your lowest rate. Some carriers like State Farm and Allstate also file FR44s but typically at higher rates for DUI drivers.
Yes. A non-owner FR44 policy is designed specifically for drivers who don't own a vehicle but still need to file an FR44 with the Florida DHSMV. Non-owner quotes are significantly cheaper than owner policies — often 50-70% less. The non-owner policy covers you when driving any vehicle you don't own and satisfies the FR44 filing requirement.
Once you approve your quote and make your payment, we file the FR44 electronically with the Florida DHSMV within 30 minutes. Same-day filing is our standard — not a premium add-on. You'll receive an email confirmation with your FR44 filing number that you can use for license reinstatement.
Some carriers we work with offer monthly payment plans for FR44 policies. However, most require a 6-month upfront payment. When you get your quote, we'll show you both options and help you choose the carrier with the payment plan that fits your budget. Monthly plans typically cost 10-20% more over the policy term.
To get an accurate FR44 quote, you'll need: your Florida driver's license number, date of birth, address (or county), the date of your DUI conviction, whether you own a vehicle, and whether an ignition interlock device is required. Having your current insurance declaration page helps but isn't required. The more accurate your information, the more accurate your quote.
We're not a lead-generation site that sells your info to five different agents. We're the actual insurance agency.
We're licensed insurance agents (Missouri License #PR333723, NPN #17260454) who specialize exclusively in FR44 and SR22 filings. We know Florida's requirements inside and out — this is all we do.
Your quote request goes directly to our agents. We never sell, share, or distribute your information to third parties. No spam calls from competing agents.
We have direct appointment contracts with every major FR44 carrier in Florida. When you request a quote, we pull real rates from all carriers simultaneously — not estimates or "starting from" prices.
Once you approve your quote and pay, your FR44 is filed within 30 minutes — guaranteed. If we don't file on time, we'll credit your filing fee. That's our standard service level.
843 verified reviews averaging 4.9 stars. We've filed thousands of FR44 policies across all 67 Florida counties. Check our reviews — we earn every star.
The quote we give you is the price you pay. No "processing fees," no "filing surcharges," no surprise add-ons. We tell you the total cost upfront before you commit.