
Affordable FR-44 Coverage Made Simple
FR-44 Insurance in Florida
Breathe Easy Insurance simplifies Florida FR-44 insurance for drivers with serious traffic violations, offering affordable, reliable FR-44 coverage and expert guidance to help you regain your driving privileges quickly.
Understanding Florida FR-44 Insurance
Florida FR-44 insurance is specifically designed for Florida drivers with severe driving offenses, such as those convicted of a DUI.
It provides proof of financial responsibility, showing that you have the required liability coverage to satisfy a court judgment or legal settlement resulting from a driving incident or driving-related charge. Additionally, it ensures you meet Florida’s heightened liability coverage requirements.
Difference Between Florida’s SR‑22 and FR‑44
In Florida, SR-22 and FR-44 both serve as proof of financial responsibility, but they apply to different situations. SR-22 is required for drivers with offenses like driving without insurance, while FR-44 is specifically for DUI convictions and comes with much higher liability coverage requirements. This distinction reflects Florida’s stricter approach to DUI-related offenses.

Get Your Florida FR-44 Quote Today
Key Features of FR-44 Insurance in Florida
Higher than Minimum Liability Limits
- Bodily Injury Liability: $100,000 per person and $300,000 per accident
- Property Damage Liability: $50,000 minimum
Mandatory FR-44 Filing in FL
The FR-44 certificate must be filed electronically with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) by your insurance carrier.
Strict Compliance
FR-44 insurance must always be active. A lapse in coverage can result in severe penalties, including license suspension.
Duration of FR-44 Requirement
FR-44 insurance is typically required for three years following a DUI conviction.
Cost Impact on Auto Policy
Premiums for FR-44 insurance are higher due to the increased liability coverage but Breathe Easy Insurance works with multiple carriers to find you the best rates.
Get a Free Quote Today! Call 844-580-7525
Non-Owners Florida FR‑44 Insurance
If you don’t own a vehicle or have regular access to one, you may still need to meet Florida’s FR‑44 insurance requirements after a DUI conviction in order to regain your license. That’s where a non-owners FR-44 policy can help and Breathe Easy has the expertise to assist qualified drivers in securing the right coverage.

What Is Non-Owners FR-44 Insurance?
Non-owners FR-44 insurance provides liability coverage for drivers who do not own a vehicle or have routine access to a specific car. It fulfills the legal requirements for FR-44 filings, ensuring you remain compliant with Florida’s heightened liability limits while offering limited coverage for any vehicles you may occasionally drive.
However, it does not include coverage for damages to a vehicle you are operating or additional policy options such as collision or comprehensive coverage.
Who Needs Non-Owners FR-44 Insurance?
This type of policy is ideal for drivers who:
- Do not own a car.
- Do not have regular access to a specific vehicle, such as one owned by a household member.
- Occasionally drive rental cars or borrow vehicles.
It’s important to note that if you have regular access to a vehicle owned by a friend, family member, or employer, a non-owners policy may not be appropriate. In such cases, you’ll likely need to be added as an additional insured driver on that vehicle’s policy.
How Much Does FR‑44 Insurance in Florida Cost?
The cost of FR-44 insurance in Florida is significantly higher than standard auto insurance due to the increased liability coverage requirements. While rates vary based on factors like your driving history, age, and location, drivers with an FR-44 typically see premiums that are significantly higher than those of a standard policy.
Additionally, insurance companies may require full payment upfront rather than allowing monthly installments. Shopping around and comparing quotes from multiple insurance carriers, like what Breathe Easy does for its customers, can help you find the most affordable option.

Consequences of Driving Without Florida FR-44 Insurance
Failing to comply with Florida’s FR-44 insurance requirements can lead to:
- Suspension of your driver’s license
- Fines and additional penalties
- Increased insurance premiums in the future
Don’t risk the consequences. Let Breathe Easy Insurance help you stay compliant and get back on the road.
Frequently Asked Questions About FR-44 in Florida
What is an SR-22?
An SR-22 is a certificate that proves you have the minimum required auto insurance coverage mandated by your state. It's often required for drivers who have been convicted of serious driving offenses like DUIs or driving without insurance.
How Long Do I Need to Have SR-22 Insurance?
The duration of SR-22 insurance requirements varies by state and the offense. Typically, it's required for a minimum of three years, but it can be longer depending on the circumstances. During this period, the insurance company will keep the state updated on your car insurance policy renewals and cancellations to ensure you maintain consistent coverage. Breathe Easy can help you understand the specific duration needed in your case.
What happens if I let my SR-22 policy lapse?
Allowing your SR-22 policy to lapse or canceling it prematurely can result in serious consequences, including license suspension or additional fines. It's crucial to maintain continuous coverage until your SR-22 requirement is fulfilled. This can be a challenge if your long-time insurance carrier decides to end your coverage after your DUI.
What are the next steps for getting an ignition interlock device?
When you are done selecting your insurance plan, Breathe Easy can connect you with an Intoxalock representative for further assistance. They will answer any questions you have and help you get set up with an installation appointment at a convenient time.
Why Drivers Trust Breathe Easy Insurance
Expertise in High-Risk Insurance
Affordable Rates
Fast Filing
Dedicated Support
Get Your Florida FR-44 Insurance Quote Today
Facing DUI charges can be overwhelming, but Breathe Easy Insurance makes securing Florida FR-44 insurance fast, easy, and affordable. Don’t let your high-risk status hold you back from driving legally. Contact us today at 844-580-7525 to reinstate your license and meet Florida's insurance requirements.
License #L106156
