Same-day electronic filing to DHSMV. Serving Key West, Marathon, Islamorada, Tavernier, Key Largo, and all of Monroe County / the Florida Keys.
Get My Free Quote →A DUI in Key West or anywhere in the Florida Keys triggers the same statewide consequence: immediate license suspension and a three-year FR44 insurance requirement. Monroe County presents a unique situation — a 125-mile chain of islands connected by a single road (US-1 / Overseas Highway) with no alternative transportation. Losing your license in the Keys means losing access to the entire mainland. For residents and seasonal workers, it's an immediate crisis. FR44 Experts files electronically with the DHSMV, most within 30 minutes.
Florida FR44 requires $100,000/$300,000/$50,000 liability coverage continuously for three years. Any lapse resets your clock and re-suspends your license.
Non-owner note: Many Key West residents and seasonal workers do not own a vehicle. If you rely on bikes, scooters, or rental cars, a non-owner FR44 policy ($14-$28/month) satisfies the DHSMV requirement without insuring a vehicle you don't own. One of the most cost-effective FR44 options for Keys residents.
| Coverage | FR44 (DUI) | SR22 |
|---|---|---|
| Bodily Injury / Person | $100,000 | $10,000 |
| Bodily Injury / Accident | $300,000 | $20,000 |
| Property Damage | $50,000 | $10,000 |
Most filings confirmed within 30 minutes. Same-day reinstatement for all of Monroe County.
Non-owner: $14-$28/mo. Owner: $65-$150/mo. Monroe County's unique island insurance market can produce wider rate variation — comparing carriers is essential.
Yes. Non-owner FR44 ($14-$28/mo) is ideal for Keys residents who don't own a vehicle. It satisfies the DHSMV requirement completely and covers you when driving any vehicle you don't own.
If you hold an Ohio license, your home state will require SR22 (not FR44). You may also need to resolve the Florida DHSMV record. We file SR22 in Ohio and FR44 in Florida — call us to confirm exactly what's required for your specific situation.
Same-day filing. All of Monroe County and the Florida Keys.
(855) 678-6977 →