FR‑44 in Florida Auto Insurance Explained

The FR‑44 is a Florida financial responsibility filing required after certain DUI convictions. It proves that a driver carries the higher liability limits mandated by Florida law following a DUI.

The FR‑44 is not insurance itself—it is a state filing attached to an auto policy. The carrier sends the FR‑44 certificate to the Florida Department of Highway Safety and Motor Vehicles (DHSMV) to confirm compliance.

When an FR‑44 Is Required

Florida requires an FR‑44 after:

• DUI conviction (alcohol or drugs)
• DUI with bodily injury
• DUI with property damage
• Other serious DUI‑related offenses

The FR‑44 requirement is separate from SR‑22 and has much higher liability limits.

FR‑44 Liability Limits

Florida mandates specific liability limits for FR‑44 filings:

• $100,000 Bodily Injury per person
• $300,000 Bodily Injury per accident
• $50,000 Property Damage

These limits are significantly higher than standard Florida auto policies.

How Long an FR‑44 Is Required

• Typically 3 years from the conviction date
• Must remain active with no lapses
• Any cancellation triggers immediate license suspension

FR‑44 vs. SR‑22

• FR‑44: DUI‑related; very high liability limits.
• SR‑22: Non‑DUI violations; standard liability limits.

Florida‑Specific Notes

• FR‑44 policies often require full premium paid up front.
• Many carriers restrict payment plans or require 6‑month paid‑in‑full.
• Some carriers will not write FR‑44 at all—market availability varies.
• FR‑44 must remain active continuously; lapses cause license suspension.

Why FR‑44 Matters

The FR‑44 is a compliance tool that allows drivers with DUI convictions to regain their license and legally operate a vehicle in Florida. It ensures the driver carries higher liability protection due to increased risk.

Without an active FR‑44 filing, the driver’s license remains suspended.

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