FR44 insurance costs more than standard auto insurance because Florida requires you to carry higher liability limits — 100/300/50 instead of the normal minimum. The FR44 filing certificate itself is cheap ($15 to $25 one-time), but the higher coverage mandated by the state is what drives up the premium. For a non-owner FR44 policy, most Florida drivers pay somewhere between $800 and $1,800 per year depending on their driving record, age, and county. Owner FR44 policies typically run $1,500 to $3,500 or more annually depending on the vehicle and coverage level chosen.
Several factors affect how much you pay for FR44 insurance in Florida: your driving record beyond the DUI, your age, your county, whether you own a vehicle, your credit history (in some cases), and which carriers are willing to write your policy. Not all state-approved FR44 carriers price the same risk the same way. That is why shopping multiple carriers — as FR44 Experts does — consistently produces lower rates than going directly to one company.
The single biggest cost decision you make is owner vs. non-owner. If you genuinely do not own a vehicle, a non-owner policy can cut your FR44 cost in half or more compared to an owner policy. If you own a car, you need an owner policy, but we will find the most competitive carrier for your situation. Get a free quote through FR44 Experts — we compare every available option and tell you your lowest rate upfront, no pressure, no runaround.