When Does FR44 End? How to Remove FR44 Insurance After 3 Years

Florida FR44 doesn't automatically disappear when your 3-year period ends. You have to take specific steps to confirm it's over and remove it from your policy — and if you do it wrong, you risk a lapse. Here's exactly what to do.

When Does the FR44 Requirement Actually End?

Your FR44 requirement ends exactly 3 years from the date your license was reinstated after the DUI — not from the arrest date, not from the conviction date.

Example: DUI arrest December 1, 2022. License reinstated March 1, 2023. FR44 requirement ends: March 1, 2026.

If you're not sure of your reinstatement date, call DHSMV at (850) 617-2000 or check your driver record online at flhsmv.gov.

Step 1: Confirm Your Requirement Is Satisfied

Before canceling or modifying anything insurance-related, get confirmation from DHSMV that your FR44 requirement period is complete. Two ways:

• Online: Check your driver record at flhsmv.gov/driver-licenses-id-cards/driver-license-id-card-renewal-replacement/driver-record-information/
• By phone: Call DHSMV at (850) 617-2000 and ask if your FR44 financial responsibility requirement is satisfied

Get the confirmation in writing or note the reference number from the call.

Step 2: Contact Your Insurer to Remove FR44

Call your insurance company and request:

• Removal of the FR44 endorsement from your policy
• Updated policy documents without the FR44 attachment
• Confirmation that the SR26 (cancellation of FR44 filing) was submitted to DHSMV

Just removing the FR44 endorsement typically saves $5–$20/month on your existing policy (the filing fee component). The bigger savings come in Step 3.

Step 3: Shop Your Policy

This is where real money is saved and where most people don't act. Your current insurer has you in the high-risk tier. Once FR44 is removed, you're eligible for standard market pricing. Get quotes from 3+ standard market insurers — Geico, Progressive, State Farm, USAA (if eligible). The typical savings when moving from a high-risk FR44 policy to a standard policy: $50–$200/month.

What Happens If You Remove FR44 Too Early?

If your insurer removes the FR44 filing before your 3-year requirement is actually met, DHSMV receives an SR26 (cancellation notice). Your license is suspended effective the removal date. The clock on your remaining FR44 period restarts. This is a serious problem — confirm with DHSMV first, always.

Frequently Asked Questions

Does FR44 automatically end after 3 years?
No. The legal requirement expires, but your insurer keeps the FR44 endorsement on your policy until you ask them to remove it. You have to initiate this — it doesn't happen automatically.

How much will my insurance drop after FR44 is removed?
Removing the FR44 endorsement from your current carrier: $5–$20/month. Switching to a standard market carrier after FR44 removal: $50–$200/month. Both steps are worth doing. Most drivers save $600–$2,400/year once they're off FR44 and switched to standard market pricing.

Will the DUI still affect my insurance rates after FR44 ends?
Yes, for 1–3 more years depending on the carrier. The DUI stays on your MVR for 75 years in Florida, but insurance carriers typically look back 3–7 years when pricing new policies. After 5–7 years from the DUI, most carriers stop weighting it heavily.