FR-44 Insurance
Miami, FL
If you've been ordered to obtain FR-44 insurance in Miami, you're likely dealing with the aftermath of a DUI or other serious driving offense. While the process may seem overwhelming, getting the required insurance doesn't have to be.
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What our customers have to say
“My experience was absolutely phenomenal. Joel made my insurance process very easy to understand and fast. Headache free! Will recommend.”
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— Guillermo Morell
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— Lilly Gonzalez
What Is FR-44 Insurance?
Despite its name, FR-44 insurance is not a separate insurance policy. Instead, an FR-44 is a certificate of financial responsibility filed by your insurance company with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
Unlike an SR-22, an FR-44 requires drivers to carry significantly higher liability coverage limits. Florida typically requires an FR-44 after a conviction involving driving under the influence (DUI) or certain alcohol-related driving offenses.
Maintaining continuous coverage is critical. If your policy is canceled or lapses before your FR-44 requirement is complete, your insurance company must notify the state, which may result in another driver's license suspension.
The Limits Florida Requires on an FR-44
An FR-44 is not just “higher coverage” in the abstract. Florida sets the exact amounts in statute, and the bodily injury requirement is ten times an SR-22's.
- This applies to an owner or operator who — regardless of adjudication of guilt — was found guilty of, or entered a plea of guilty or nolo contendere to, driving under the influence under Fla. Stat. 316.193 after October 1, 2007.
- An FR-44 is not a policy. It is proof you can respond in damages at these higher limits, established by one of the methods in Fla. Stat. 324.031(1) or (2) and filed on your behalf.
- The bodily injury requirement is ten times an SR-22's. SR-22 financial responsibility under Fla. Stat. 324.021(7) is $10,000 per person, $20,000 per crash and $10,000 property damage — the two filings are not interchangeable.
- The statute provides an exemption: an owner or operator not convicted of driving under the influence or a felony traffic offense for 3 years from the date driving privileges were reinstated is exempt from this section.
Source: Fla. Stat. § 324.023 (2026). Limits are set by statute and are not a quote; your premium depends on your own record, vehicle and carrier.
Why Do You Need FR-44 Insurance in Florida?
Florida law requires certain drivers to obtain an FR-44 after serious driving offenses, most commonly involving alcohol or drugs.
SR-22 Filing
Required after violations such as driving without insurance, excessive points, or certain license suspensions. Requires Florida's minimum liability coverage.
FR-44 Filing
Required after DUI convictions. Requires substantially higher liability limits, making it more expensive than a standard SR-22.
Same-Day FR-44 Filing in Miami
When you're eligible to reinstate your driver's license, waiting on paperwork can delay the entire process. Our process is designed to be fast.
Fast Quote
Receive a personalized insurance quote based on your driving history and coverage needs.
Compare Multiple Insurance Companies
We work with several insurance carriers that write policies for high-risk drivers.
Electronic Filing
Once your policy is issued, we electronically file your FR-44 with Florida.
License Reinstatement Assistance
We'll explain what documentation you'll need so you can continue the reinstatement process with confidence.
Affordable FR-44 Insurance for High-Risk Drivers
A DUI doesn't necessarily mean you'll pay the highest rates. While FR-44 policies cost more because of increased liability requirements, prices vary significantly between insurance companies.
Comparing several companies can often result in substantial savings over the life of your policy.
Can You Get FR-44 Insurance After a DUI?
Yes.
Helping drivers obtain insurance after a DUI is one of our specialties. Even if you've been declined by another insurance company, there are still carriers willing to insure high-risk drivers. Our experienced agents understand Florida's FR-44 requirements and can help you find a policy that satisfies the state's requirements while keeping your premium as affordable as possible.
How Long Do You Need FR-44 Insurance?
The length depends on your individual case and the requirements established by Florida. During that period, it's important to avoid any lapse in coverage.
If your policy is canceled, expires, or is terminated for non-payment, your insurance company is legally required to notify the state. This could result in additional penalties or another suspension. Continuous coverage is essential until your filing requirement has officially ended.
Why Choose Our Agency?
Areas We Serve
We proudly help drivers throughout Miami-Dade County.
Frequently Asked Questions
Is FR-44 insurance the same as SR-22 insurance?
No. Both are financial responsibility filings, but an FR-44 requires much higher liability insurance limits and is typically required after a DUI conviction.
Can I get FR-44 insurance the same day?
Yes. In many cases, we can issue your policy and electronically file your FR-44 on the same day.
Is FR-44 insurance expensive?
It usually costs more than a standard auto insurance policy because of the increased liability limits and your driving history. However, rates vary between insurance companies, and comparing quotes can help reduce your costs.
Can I switch insurance companies while I have an FR-44?
Yes, but your new policy should begin before your current policy ends to prevent any lapse in coverage.
What happens if my FR-44 policy lapses?
Your insurance company must notify the State of Florida. This may result in your driver's license being suspended again and could extend your filing requirement.
Do I need full coverage with an FR-44?
Not necessarily. The state requires higher liability limits, but whether you need collision and comprehensive coverage depends on your vehicle, lender requirements, and personal preferences.
Get Your FR-44 Insurance Quote Today
If you've been ordered to obtain FR-44 insurance in Miami, don't wait to begin the process. Our experienced Florida insurance agents are here to help you compare multiple insurance companies, secure affordable coverage, and file your FR-44 electronically with the State of Florida.
Contact us today for a free quote and let us help you get back on the road with affordable FR-44 insurance in Miami.
Serving South Miami-Dade? See our local pages for FR-44 insurance in Florida City, FL and SR-22 insurance in Florida City.