FR‑44 in Florida Auto Insurance Explained

Updated October 2026

FR-44 Insurance in Florida: What the Filing Really Means

If you’ve been told you need an FR-44, the first question is usually, “What do I buy, and how do I get back on the road?” Florida’s FR-44 is a certificate of financial responsibility associated with certain alcohol- or drug-related driving convictions. It is not a separate insurance policy. An insurer files the certificate to show that the required liability insurance is in place.

The paperwork can sound intimidating, but the practical steps are manageable when you know exactly what the state is requiring in your case.

Higher Liability Limits Are the Main Difference

For an FR-44 obligation arising under Florida’s DUI financial-responsibility rules, the required liability protection is generally $100,000 for bodily injury to one person, $300,000 for bodily injury in one crash, and $50,000 for property damage. Those limits are substantially higher than Florida’s usual minimum registration requirements. Your reinstatement notice and the Florida Department of Highway Safety and Motor Vehicles are the best sources for the requirements that apply to you.

Ask an insurer whether it offers FR-44 filings, what liability coverage it can provide, and how quickly the filing can be submitted. A quote alone does not satisfy the state requirement. Coverage must be issued and the necessary filing accepted.

Don’t Confuse an FR-44 With an SR-22

Both are financial-responsibility certificates, but they can arise from different violations and involve different coverage requirements. If a letter says FR-44, don’t assume an SR-22 policy is an acceptable substitute. Keep the notice handy when you call for a quote.

Continuous coverage is particularly important. A cancellation or lapse can create additional licensing complications. Depending on your circumstances, the state may also impose rules concerning how coverage is maintained or paid. Confirm those details before changing insurers, vehicles or payment arrangements.

Get a Quote That Matches Your Requirement

Rates can differ based on the driver, vehicle, location, prior record and the insurers willing to write the policy. The cheapest advertised auto policy may not meet the filing requirements, so compare the actual liability limits and total cost.

Need an FR-44 quote in Florida? Share the state notice, your vehicle information and the date you need coverage. We’ll help you look for available policies that meet the stated requirements and explain the next steps without making the process more complicated than it needs to be.

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