FR44 Insurance Florida – Expert Solutions for License Reinstatement

Facing a DUI Conviction can be a stressful and confusing time, but getting your driving privileges back doesn’t have to be. For over 35 years, Colucci Insurance has been the trusted local expert for FR44 insurance in Florida. Since 1990, we have helped thousands of drivers navigate the complex reinstatement process with speed, empathy, and professionalism.

As an independent insurance agency, we work for you, not the companies. While captive agents can only offer you a single price from carrier (or may not offer FR44s at all), we specialize in this market. We can compare rates from every major carrier offering FR44 insurance quotes in Florida to ensure you get the cheapest FR44 insurance Florida has to offer.

See why we are top-rated: Visit the Colucci Insurance Better Business Bureau Profile,  our Chamber of Commercie Proifle, and our profile on Best Of The Web. Additionally you can read customer reviews on our Google My Business profile.

For Quotes Call 833-865-3380 or fill out our easy to use quote form 24 hours a day.

Don’t let the Cost of FR44 Insurance Break Your Piggy Bank!

To Save Money On FR44 Filings Call Colucci Insurance Today!

833-865-3380

It is a common misconception that an “FR44” is a specific type of insurance policy. In reality, an FR44 is a Certificate of Financial Responsibility. It is a document (a filing) that your insurance carrier transmits to the state to verify that you are carrying specific liability limits required by law.

Who needs an FR44? In Florida, an FR44 is generally required for individuals who have been convicted of a Driving Under the Influence (DUI) charge. It serves as proof to the state that you have the financial protection in place should you get into an accident.

It is important to note that Florida is one of only two states that require this specific filing (the other being Virginia). Because this is a strict state requirement, the filing must be transmitted electronically to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). At Colucci Insurance, we handle this electronic filing instantly to prevent delays in your license reinstatement.

You can read the specific laws regarding these filings in the Florida FR44 Statute (324.023).

To satisfy the Florida FR44 requirements, your policy must carry significantly higher liability limits than a standard auto policy. The state wants to ensure that if a driver with a DUI history is involved in another accident, there is ample coverage for damages.

Mandatory Liability Limits:

• $100,000 for Bodily Injury per person

• $300,000 for Bodily Injury per accident

• $50,000 for Property Damage liability

In addition to these limits, you must maintain your FR44 status continuously for 3 years from the date of your revocation.

• Important Warning: You must maintain this coverage without any lapse or interruption. If your policy cancels for non-payment, the insurance company is required by law to notify the state immediately. This will result in your license being suspended again, the 3-year “clock” starting over from zero, and additional reinstatement fees and court costs.

Finding the best FR44 policy often comes down to price and payment flexibility. Because the required liability limits are high, premiums can be expensive. However, you don’t have to overpay.

At Colucci Insurance, we specialize in finding cheap FR44 insurance Florida drivers can afford. We offer policies with Low Down Payments and EZ monthly payment plans, so you don’t have to pay for the entire policy upfront. By shopping the market for you, we find the carrier most friendly to your specific situation.

Do you need to reinstate your license but don’t own a vehicle? You might qualify for Non-Owners FR44.

What is a Non-Owners Policy? A non-owners policy is an “excess” liability policy. It covers you as a driver, rather than a specific car. It provides the secondary coverage necessary to satisfy the state’s FR44 requirement. If you drive a borrowed car, that car’s insurance pays first (primary coverage), and your non-owners policy pays second.

Who Qualifies? To qualify for a non-owners policy, you cannot:

Own a vehicle.

Have any vehicles registered in your name (this includes dual ownership or vehicles jointly titled).

Have a vehicle available for your regular use in your household.

This is often the cheapest FR44 option available because the risk to the insurance company is lower.

Depending on the severity of your DUI conviction or if you are a repeat offender, the court may require you to install an Ignition Interlock Device (IID).

What is an IID? An IID is a breathalyzer installed in your vehicle that prevents the engine from starting if it detects alcohol on your breath.

Who needs it? In Florida, IIDs are typically mandated for:

• First-time DUI convictions with a high Blood Alcohol Content (BAC) of 0.15 or higher.

• First-time DUI convictions with a minor in the car.

• Second or subsequent DUI convictions.

For detailed specifications and approved providers, visit the FLHSMV Ignition Interlock Device Information page.

Additionally you can view a study of the effectivenss of ignition interlock devices performed by the National Highway Traffic Safety Administration.

Reinstating your license involves several steps beyond just buying insurance. Here is a checklist to help you get back on the road:

Get Insurance: Purchase your FR44 policy (we transmit the filing electronically for you).

DUI School: Enroll in and complete the required DUI substance abuse course. You can find providers here: FLHSMV DUI Course Providers. You can also go to the Florida Safety Council for prices on their courses.

Pay Court Costs: You must satisfy all fines and court fees. Visit the Florida Courts System to find your local clerk of court.

Visit the License Office: Once your filings are in the system, go to a driver’s license service center to pay your reinstatement fee and get your plastic license. Find a location near you: Florida Driver License Service Centers.

Many of the drivers license offices in Florida  are run by the county tax collector below are major ones where you can schedule an online appointment:

• Hillsboroough County Tax Collector: 601 E Kennedy Blvd, Tampa, FL 33602
• Pinellas County Tax Collector: 1660 Gulf to Bay Blvd, Clearwater, FL 33602
• Lee County Tax Collector: 2480 Thompson St, Fort Myers, FL 33901
• Alachua County Tax Collector: 12 SE 1st St, Gainesville, FL 32601
• Orange County Tax Collector 200 S Orange Ave, Suite 1600, Orlando, FL 32801
• Duval County Tax Collector: 231 E Forsyth St, Jacksonville FL, 32202
• Palm Beach County Tax Collector: 301 N Olive Ave, West Palm Beach, FL 33401
• Broward County Tax Collector: 115 S Andrews Ave, A100, Fort Lauderdale, FL 33301
• Miami-Dade County Tax Collector: 200 2nd Ave, Miami, FL 33128

The FR44 insurance cost varies significantly based on your age, driving history, and zip code. While it is more expensive than standard insurance due to the high liability limits ($100k/$300k), Colucci Insurance works to find you the most competitive rate available.

Yes! We offer monthly payments. We understand that reinstatement is expensive, so we provide options with Low Down Payments and EZ monthly installments to make it manageable.

Generally, you are required to carry the FR44 filing for 3 years from the date of your license revocation. However, the exact duration is determined by the judge or the courts handling your case.

No single company is always the cheapest for everyone. That is why you need an independent agent. We quote multiple carriers to find who is offering the lowest rate for your specific profile.

The “best” company is one that specializes in high-risk drivers and offers reliable claims service. We only partner with reputable carriers who demonstrate the financial strength to handle FR44 filings accurately and quickly.

To save money, you should try to apply for all available discounts (like paperless billing or paid-in-full discounts). Most importantly, contact an independent agent like Colucci Insurance. An agent who specializes in FR44’s knows exactly which discounts are available and can provide you with multiple quotes to ensure you aren’t overpaying. Note: Not all independent agents specialize in or even offer FR44 filings.

We provide fast, affordable FR44 quotes to drivers in every corner of the state. We can provide coverage in Tampa, St Petersburg, Orlando, Jacksonville and Miami.

Get Your Life Back on Track Today

Don’t let a DUI define your future. At Colucci Insurance, we treat every client with respect and urgency. We have the experience, expertise, and authority to get your FR44 filed correctly the first time, so you can drive with confidence.

Ready for your free quote? Call the Florida FR44 experts now. We are ready to help you save money and get back on the road.

📞 Call Us Today: 833-865-3380

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