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Take a Breath. We Make FR-44 Insurance a Breeze.
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Take a Breath. We Make FR-44 Insurance a Breeze.

Breathe Easy Insurance Solutions is a trusted provider of low-cost auto insurance coverage with an FR-44 filing. Whether you’re considered a high-risk driver or have a DUI on your record, our Florida-licensed agents can help you find the fastest and most affordable FR-44 certificate for your budget.

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FR-44 Insurance: The Complete Guide

What Is FR-44 Insurance?

Chances are, you probably never heard of FR-44 until being told you need one – likely after a serious driving violation.

FR-44 insurance is not a separate insurance policy, but a certificate of financial responsibility filed with the state to prove you have an active auto insurance policy.

The FR-44 requirement typically lasts 3 years, depending on your specific requirement and driving history.

Common Reasons You May Need an FR-44:

  • DUI/DWI convictions
  • Serious traffic offenses
  • Mandatory license reinstatement
Smiling driver looking back from the driver seat.

What FR-44 Do You Need?

Each state that requires FR-44 has different rules for filing, including minimum coverage limits, and how long the FR-44 must remain on file. You may need to verify your requirement with a judge or the Florida Highway Safety and Motor Vehicles (FLHSMV).

Need Help Understanding Florida FR-44 Requirements?

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Why Choose Breathe Easy?

We’ve helped thousands of drivers complete FR-44 requirements to help earn their licenses back.

Trained Experts

We are DUI-specialized agents who understand the unique needs of high-risk drivers and can guide you through the SR-22 insurance process with ease.

Bilingual Specialists

We deliver exceptional service in both English and Spanish. Ofrecemos un servicio excepcional tanto en inglés como en español. Llama (844) 230-9145 y hable con un agente hoy.

Trusted Relationships*

We shop with our network of DUI-forgiving carriers to find you the best coverage that fits your budget.

*We are the premier insurance partner of Intoxalock, the #1 most-installed ignition interlock device in the U.S.

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Superior Service

We’ve earned an 'Excellent' 4.9 out of 5 rating on Trustpilot, (as of 4/23/26) with more than 3,300 reviews proving our commitment to customer service every day.

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Tips to Keep FR-44 Costs Low

Breathe Easy is committed to helping you succeed throughout your FR-44 requirement. Here are some helpful tips to help you keep FR-44 costs affordable:

Maintain a Clean Driving Record

Avoid additional violations to prevent further rate increases.

Shop Around Annually

Rates can change, so it’s worth comparing rates. Our customer service team will review your best options any time for free. Talk to an agent today.

Take Defensive Driving Courses

Some insurance carriers offer discounts for completing an approved defensive driving course.

       
Ready to Save on FR-44 Insurance?
By clicking the button, I am providing my ESIGN signature and express written consent to permit Breathe Easy Insurance Solutions, LLC, and parties calling on its behalf, to contact me at the number provided above, without regard to the time of day, for marketing purposes, including through the use of automated technology, SMS/MMS messages, and prerecorded and/or artificial voice messages. Consent is not a condition of purchase. For California residents, click here.