Is FR44 insurance required after a felony DUI with injury in Florida?

Yes. The same FR44 coverage requirement applies regardless of whether the DUI was a misdemeanor or felony. The mandatory 3-year revocation means the FR44 3-year clock doesn't start until after reinstatement, resulting in 6+ years total before normal driving privileges are restored.

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FR44 Insurance After Florida DUI With Injury: What You Need to Know

Q: Can I get FR44 insurance with a felony DUI on my record?

Yes, but options are limited to non-standard market (surplus lines) carriers. Standard market carriers typically decline felony DUI risks. FR44 Experts works with carriers that accept this higher-risk profile.

DUI with serious bodily injury is a felony in Florida — carrying dramatically more severe consequences than a standard DUI. The FR44 insurance requirement itself doesn't change, but the path to reinstatement is significantly longer and more complex.

This is a felony charge. If you're facing DUI with serious bodily injury in Florida, retain an experienced criminal defense attorney immediately. The information on this page addresses the FR44 insurance aspect only — not legal strategy.

Florida DUI With Injury: The Legal Framework

Charge Type	Classification	License Consequence	FR44 After
DUI with minor injury	Enhanced misdemeanor	Up to 1-year revocation (judge's discretion)	3 years from reinstatement
DUI with serious bodily injury	Third-degree felony	3-year revocation minimum	3 years from reinstatement
DUI manslaughter (death)	Second or first-degree felony	Permanent revocation (petition after 5+ years)	3 years from reinstatement if ever restored

Serious bodily injury under Florida Statutes § 316.193 means injury creating substantial risk of death, permanent disfigurement, or protracted loss/impairment of a body part or organ.

How FR44 Works After DUI With Injury

The FR44 coverage requirement ($100K/$300K + $50K PD) is the same as for any DUI — felony or misdemeanor. What differs is:

Timeline to reinstatement: A 3-year revocation means the FR44 clock doesn't even start for 3 years. The total time from felony DUI conviction to free-and-clear driving privilege: 6+ years minimum.
Carrier availability: Felony DUI dramatically limits insurance options. Surplus lines carriers are typically the only option. Standard market will decline.
Cost: Non-owner FR44 after felony DUI: $70–$150/month. Owner FR44: $300–$600+/month. Very limited competition means higher rates.

FR44 and Felony Conviction: Does Criminal Conviction Affect FR44?

The FR44 filing itself is agnostic to whether the DUI was a misdemeanor or felony — DHSMV requires the same certificate either way. However, the felony conviction affects:

Insurance carrier willingness to write the policy
Premium rates (significantly higher)
Whether any hardship driving option exists during the revocation period

DUI With Injury: Hardship License Options

Hardship licenses are generally not available during the revocation period for DUI with serious bodily injury. The 3-year mandatory revocation is hard — no business-purpose driving permitted. After serving the revocation, reinstatement requires FR44 plus a formal DHSMV hearing in most cases.

Frequently Asked Questions

Is FR44 required after a felony DUI with injury?
Yes — the same $100K/$300K + $50K PD requirement applies. The felony classification changes the severity of consequences and the timeline to reinstatement, not the FR44 coverage requirement itself.

How long before I can drive again after DUI with serious bodily injury?
The mandatory 3-year revocation must be served first. After reinstatement, the 3-year FR44 period begins. Minimum total time without normal driving privileges: 6 years from conviction in most scenarios.

Can I get FR44 insurance with a felony DUI on my record?
Yes — but options are limited to surplus lines (non-standard market) carriers. We work with carriers that write FR44 for felony DUI drivers. Call us for a quote specific to your situation.

Need FR44 After a Serious DUI Conviction?
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