Same-day electronic filing. Lowest rates in Broward County. Serving Miramar and all surrounding areas. Non-owner from $14/month.
Get My Free Quote →Miramar, with 134,000 residents spanning central Broward County, sits at the crossroads of I-75, Miramar Parkway, and Flamingo Road. The Miramar Police Department conducts regular DUI saturation patrols along the I-75 corridor, Miramar Parkway, and near the Pembroke Road entertainment district. As one of Broward County's fastest-growing cities with a large commuter population, DUI arrests are common during weekday evening rush hours and weekend nights. A DUI conviction triggers immediate license suspension and Florida's 3-year FR44 requirement.
Florida FR44 requires $100,000/$300,000/$50,000 liability coverage maintained continuously for three years. Any lapse resets your clock and triggers re-suspension. FR44 Experts handles everything by phone — we compare 7+ carriers, file electronically with the DHSMV, and get your license reinstated the same day.
| Coverage | FR44 (DUI) | SR22 (Other) | FL Standard |
|---|---|---|---|
| Bodily Injury / Person | $100,000 | $10,000 | $10,000 |
| Bodily Injury / Accident | $300,000 | $20,000 | $20,000 |
| Property Damage | $50,000 | $10,000 | $10,000 |
| Required Duration | 3 years | 1-3 years | N/A |
FR44 limits are mandated by Florida Statute § 324.023 — 10x the standard BI/person, 15x BI/accident, and 5x property damage.
| Policy Type | Monthly Cost | Down Payment | Best For |
|---|---|---|---|
| Non-Owner FR44 | $14-$30/mo | $30-$60 | Don't own a car — covers borrowed/rental |
| Owner Standard | $65-$120/mo | $130-$250 | Own one vehicle, first DUI |
| Owner (Multiple Violations) | $120-$200+/mo | $250-$500 | 2nd+ DUI, prior FR44 lapse |
Rates shown for Miramar/Broward County. Actual cost depends on driving record, vehicle, age, and carrier underwriting. We compare all to find your lowest rate.
| Carrier | Non-Owner | Owner | Monthly | Notes |
|---|---|---|---|---|
| Progressive | $14-$30 | $65-$120 | Yes | Best overall — lowest non-owner rates, monthly billing |
| Dairyland | $16-$32 | $70-$130 | Yes | Fast filing — specialty FR44 carrier, accepts most drivers |
| Bristol West | $18-$35 | $75-$140 | Yes | High-risk specialist — good for multiple DUIs |
| Gainsco | $15-$33 | $68-$135 | Limited | Budget option — lower limits, affordable monthly plans |
| The General | $20-$40 | $80-$160 | Yes | Accepts everyone — higher rates but guaranteed coverage |
| Mercury | $17-$34 | $72-$138 | Yes | Good for clean record pre-DUI — competitive owner rates |
| Foremost | $19-$38 | $78-$155 | Yes | Flexible payment plans — good for non-standard policies |
Tell us your situation. We compare all Broward County FR44 carriers immediately — takes 5 minutes.
Review your quotes, pick the best rate, and pay by phone. Monthly payment plans available.
Electronic DHSMV filing confirmed within 30 minutes. License suspension lifted same day.
If you're dealing with a DUI in Miramar, these local resources can help with court requirements, license reinstatement, and required DUI education programs.
📍 1501 NW 40th Ave, Oakland Park, FL 33309
FR44 rates vary by 300%+ between carriers. Always compare at least 5 quotes. We compare 7+ carriers in one call.
If you don't own a vehicle, a non-owner FR44 costs $14-$30/month instead of $65-$160+. Know which type you need.
One missed payment resets your entire 3-year FR44 clock. Set up automatic payments or monthly billing.
Paper FR44 filings take 5-7 business days. Electronic filing through FR44 Experts is confirmed in 30 minutes.
Florida requires FR44 (not SR22) after a DUI. FR44 limits are 10x higher. Don't buy the wrong coverage type.
FR44 Experts files most Miramar FR44 policies electronically with the Florida DHSMV within 30 minutes of payment. Same-day license reinstatement is standard. No office visit required — everything is handled by phone and email.
FR44 in Miramar typically runs $65-$160/month for owner policies and $14-$30/month for non-owner. Rates vary based on your driving record, vehicle, age, and Broward County zip code. We compare all available carriers for your lowest rate.
Florida FR44 requires liability coverage of $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage — that's 10x/15x/5x the standard Florida minimums. This must be maintained continuously for 3 years from your reinstatement date.
If you own a vehicle, you need an owner FR44 policy. If you don't own a vehicle but need to reinstate your license, a non-owner FR44 costs much less ($14-$30/month) and covers you when driving borrowed or rental vehicles. We'll help you choose the right policy type.
Any lapse — even one day — triggers immediate DHSMV notification, automatic license re-suspension, and your 3-year FR44 clock resets to zero. Additional reinstatement fees apply. We monitor all policies to prevent lapses and will alert you before any cancellation.
Yes. We file FR44 for drivers throughout Broward County and surrounding areas. Our Miramar office handles the entire region by phone and online — no in-person visit needed. Same-day electronic filing to the DHSMV.
Yes. Most of our Broward County carriers offer monthly billing with a down payment (typically 1-2 months premium). We specifically work with carriers who provide monthly payment plans for FR44 — not all companies do. Call us to compare monthly payment options from 7+ carriers.
Everything about FR44 requirements
Owner vs Non-OwnerWhich policy type do you need?
Get Free QuoteCompare 15+ carriers instantly
All Florida CitiesBrowse all 24 city pages
FR44 FAQCommon FR44 questions answered
Call (855) 678-6977Speak with a Miramar FR44 specialist
Same-day filing. All of Broward County. 7+ carriers compared.
(855) 678-6977 →