FR-44 Insurance in Florida
Quick answer: Florida requires drivers with certain violations to file a FR-44 for 3 years. The filing fee is $15 and the average SR-22 policy costs about $260/month. The best carriers for Florida are Direct Auto, The General, Progressive.
Florida almost never uses SR-22 for DUI cases — it uses the higher-limits FR-44. Non-DUI cases (like uninsured accidents) may still require SR-22.
Florida FR-44 at a glance
| Form Required | FR-44 |
|---|---|
| Filing Fee | $15 (one-time) Florida uses the FR-44 (higher limits) instead of SR-22 for DUI-related filings. |
| Filing Period | 3 years continuous |
| Minimum Liability | 100/300/50 ($1,000s: BI/person / BI/accident / PD) |
| Avg Monthly Cost (SR-22) | $260 |
| Typical DUI License Suspension | 6 months (first offense) |
| DMV Website | www.flhsmv.gov/ |
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Best FR-44 insurance companies in Florida
These carriers are the top-rated FR-44 providers for Florida drivers based on price, filing speed, and financial strength:
| Rank | Company | Starts At | FR-44 Filing | Notes |
|---|---|---|---|---|
| 1 | Direct Auto | $80/mo | Yes | Regional; strong for SR-22 in TX, GA, TN, MS. |
| 2 | The General | $85/mo | Yes | Low down-payment options and monthly billing. |
| 3 | Progressive | $110/mo | Yes | Files SR-22 electronically in most states within 24-48 hrs. |
How to get an FR-44 in Florida: step-by-step
- Confirm the requirement. Check your Florida DMV letter or driver record for the exact filing requirement and start date.
- Get quotes from 3+ carriers. Focus on non-standard specialists: Direct Auto, The General, Progressive.
- Bind a policy and request FR-44 filing. Pay the $15 filing fee and any required down payment.
- Wait 24–48 hours for electronic filing. Florida DMV updates records daily.
- Pay the Florida reinstatement fee if required. Check your DMV letter — this is separate from the SR-22 filing fee.
- Maintain the policy continuously for 3 years. Any lapse restarts the clock and re-suspends your license.
Watch out for Florida-specific rules
Florida DUI suspensions last 6 months for a first offense. Do not let your policy lapse — Florida DMV is notified within 10 days and will automatically re-suspend your license.
Florida DUI insurance costs
After a DUI in Florida, most drivers see their premium rise 70–110%. Average full-coverage premium climbs from about $137/month (clean record) to about $260/month (with SR-22). Some carriers non-renew after DUI, so non-standard specialists are usually your best bet.
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We match you with high-risk carriers who file SR-22 fast — same-day filing available.
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Frequently Asked Questions
How much does SR-22 insurance cost in Florida?
The average SR-22 policy in Florida costs about $260/month for full coverage, plus a one-time $15 filing fee. Non-standard carriers like Direct Auto and The General typically offer the lowest rates.
How long is SR-22 required in Florida?
Florida requires SR-22 to be maintained for 3 years continuously. Any lapse in coverage restarts the 3-year clock and triggers an automatic license suspension.
What is the minimum liability in Florida?
Florida's minimum liability limits are 100/300/50 (bodily injury per person / per accident / property damage, in $1,000s). Your SR-22 must certify at least these limits.
Does Florida use SR-22 or FR-44?
Florida uses FR-44. Florida uses the FR-44 (higher limits) instead of SR-22 for DUI-related filings.
How do I file an SR-22 in Florida?
In Florida, your insurance carrier files the SR-22 electronically with the Florida DMV. You never file it yourself. Choose a carrier that files SR-22 (see below), pay any down payment, and request filing when you bind the policy. Filing is usually complete within 24–48 hours.