Florida FR-44 Insurance After DUI
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
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Florida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$45
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Florida
Florida eliminated SR-22 filings for DUI offenses entirely—drivers convicted of DUI must obtain FR-44 insurance instead, which requires double the liability limits of standard policies. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) mandates continuous FR-44 coverage for a minimum of 3 years from the reinstatement date, and any lapse triggers immediate license suspension. Florida operates under a no-fault PIP system for medical coverage, but FR-44 liability requirements exist separately to prove financial responsibility after high-risk violations.
FR-44 Liability Insurance
Personal Injury Protection (PIP)
Property Damage Liability
Non-Owner FR-44 Insurance
Uninsured Motorist Coverage
What Drivers Pay in Florida
$148–$318/mo
Typical monthly rate in Florida, drivers with an FR-44 filing
Rate data: ValuePenguin, Insurify and MoneyGeek, 2026
Meet Your FR-44 Requirement Without Overpaying
Get FR-44 Insurance CoverageIf your license is suspended
Hardship license (Business Purposes Only or Employment Purposes Only)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
What is the difference between SR-22 and FR-44 in Florida?
Florida eliminated SR-22 filings for DUI offenses—drivers convicted of DUI must obtain FR-44 insurance instead, which requires double the liability limits (100/300/50 vs. 25/50/25). SR-22 filings still exist in Florida for non-DUI violations like driving without insurance, but DUI cases exclusively require FR-44. The Florida Department of Highway Safety and Motor Vehicles will reject SR-22 filings submitted for DUI reinstatement.
How long do I need to maintain FR-44 insurance in Florida?
Florida requires continuous FR-44 coverage for a minimum of 3 years from your license reinstatement date, not from your conviction date. Any lapse in coverage—even one day—triggers an automatic suspension notice from FLHSMV within 10 days, restarting your 3-year clock from zero. Your insurer is legally required to notify FLHSMV electronically within 24 hours of any policy cancellation or non-renewal.
What happens if my FR-44 insurance lapses in Florida?
Your insurer must notify the Florida Department of Highway Safety and Motor Vehicles electronically within 24 hours of any policy lapse, cancellation, or non-renewal. FLHSMV issues an automatic suspension notice within 10 days, and your 3-year FR-44 requirement clock resets to zero—you must complete another full 3-year period from the new reinstatement date. Reinstatement after a lapse requires paying a new reinstatement fee, filing a new FR-44 certificate, and potentially attending additional administrative hearings.
Do I need FR-44 insurance if I move to Florida from another state with a DUI?
If you were convicted of DUI in another state and move to Florida, you must obtain Florida FR-44 insurance before FLHSMV will issue a Florida driver's license—your prior state's SR-22 or FR-44 filing does not transfer. Florida recognizes out-of-state DUI convictions for licensing purposes and applies the same 3-year FR-44 requirement starting from your Florida license issuance date. You cannot legally drive in Florida with an out-of-state license if that license is suspended or restricted due to DUI.
Coverage Types
FR-44 Insurance
High-risk liability filing required for Florida DUI offenders, mandating 100/300/50 minimum limits—double the standard state requirement. FR-44 replaced SR-22 for DUI cases in Florida.
Non-Owner FR-44
Provides FR-44 liability coverage without insuring a specific vehicle, designed for suspended drivers who need license reinstatement but don't own a car.
Uninsured Motorist Coverage
Optional coverage that pays your expenses when an at-fault driver has no insurance. Rejection requires a signed written waiver in Florida—verbal rejection doesn't count.
Personal Injury Protection (PIP)
Florida's mandatory no-fault coverage paying your medical bills and lost wages regardless of fault. FR-44 filers must carry PIP in addition to liability minimums.