FR44 Insurance West Palm Beach

For over 35 years, Colucci Insurance has been the trusted local expert in providing FR44 Insurance in West Palm Beach. Since 1990, we have helped thousands of Florida drivers get back on the road with affordable, reliable coverage.

Finding the cheapest FR44 insurance in West Palm Beach can be difficult if you don’t know where to look. Unlike captive agents who can only quote one company—or may not even offer FR44 filings—we are an independent insurance agency. This means we have the experience and capability to shop your policy with multiple top-rated carriers to find you the best rate possible. When you work with us, you aren’t just getting a policy; you are getting a partner who understands the intricacies of Florida’s financial responsibility laws.

We pride ourselves on our transparency and trustworthiness. You can verify our A+ standing by visiting our Better Business Bureau Profile.

For Quotes Call 833-865-3380 or fill out our easy to use quote form: West Palm Beach FR44 Insurance Quotes

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

Call Colucci Insurance Today to Save Money on FR44 Insurance!

Many people mistakenly believe that an “FR44” is a specific type of insurance policy. In reality, an FR44 is not insurance—it is a Certificate of Financial Responsibility. This is a specific form that your insurance carrier must file electronically with the state of Florida to verify that you are carrying the higher liability coverage limits required by law.

Because this is a state-mandated filing, it cannot be hand-carried to the DMV. The filing must be electroncially submitted by a licensed insurance provider to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). At Colucci Insurance, we handle this electronic filing instantly for you to ensure your license can be reinstated as quickly as possible.

If you have been convicted of a DUI or other serious driving offense in Florida, the state requires you to carry liability limits significantly higher than the standard state minimums.

To comply with the Florida FR44 Statute (324.023)

your policy must meet the following limits:

• $100,000 for Bodily Injury per person

• $300,000 for Bodily Injury per accident

• $50,000 for Property Damage liability

These requirements are strictly enforced. A standard policy with 10/20/10 limits will not suffice for an FR44 requirement. You can verify your specific license status and requirements directly at the FLHSMV website or by viewing this FLHSMV FR44 Bulletin.

Reinstating your license often involves more than just purchasing insurance. In Florida, you are typically required to complete DUI education courses and pay all necessary court fines before you are eligible for reinstatement.

• DUI Classes: You must enroll in an approved DUI program. You can find a list of licensed providers on the FLHSMV Education Courses page.

• Court Fines: Outstanding fines can prevent your license from being cleared. For citations issued locally, you can pay fines or check your case status at the Palm Beach County Clerk & Comptroller’s Office. 

An Ignition Interlock Device (IID) is a breathalyzer installed in your vehicle that is connected to the ignition system. The vehicle will not start if the device detects alcohol on your breath.

Not all FR44 drivers require an IID, but it is mandatory for certain offenses, such as:

• First conviction with a BAL of 0.15 or higher.

• First conviction with a minor in the car.

• Multiple DUI convictions.

If you are required to have an IID, you cannot drive a vehicle without one. For specific questions regarding installation and regulations, please visit the FLHSMV Igntion Interlock Questions page or for providers providing disocunts visit the FLHSMV Ignition Interlock Page

Understanding the difference between these two policy types can save you money and ensure you are properly covered.

• Owner’s Policy: If you have a vehicle registered in your name, you must purchase an Owner’s FR44 policy. This covers the specific vehicle you own plus the required FR44 filing.

• Non-Owners Policy: If you do not own a vehicle and there are no vehicles registered in your household, you may be eligible for a Non-Owners FR44 policy. This type of policy provides the necessary liability coverage for you as a driver (for the FR44 filing) without insuring a specific car. This is often the cheapest FR44 insurance in West Palm Beach option for those who do not own a car but need to reinstate their license.

Once your FR44 insurance quotes West Palm Beach are finalized and your certificate is electronically filed, you will need to reinstate your license. In Palm Beach County, this is handled by the Palm Beach County Tax Collector’s office.

West Palm Beach Reinstatement Locations:

• Downtown Service Center 301 North Olive Avenue, 1st Floor West Palm Beach, FL 33401

• Central Palm Beach Service Center 4215 South Military Trail Greenacres, FL 33463

Note: Offices may require appointments. We recommend checking with the Palm Beach County Tax Collector before visiting.

While we are your local experts in West Palm Beach, Colucci Insurance helps drivers across the entire state. Check out our other dedicated pages:

• Florida FR44 Insurance

• Boca Raton FR44 Insurance
• Port St Lucie FR44 Insurance

• Miami FR44 Insurance

• Hialeah FR44 Insurance

• Fort Lauderdale FR44 Insurance

• Homestead FR44 Insurance
• Tallahassee FR44 Insurance

• Jacksonville FR44 Insurance

• Daytona Beach FR44 Insurance

• Orlando FR44 Insurance

• Tampa FR44 Insurance

• St Petersburg FR44 Insurance

• Clearwater FR44 Insurance
• Lakeland FR44 Insurance
• Fort Myers FR44 Insurance
• Gainesville FR44 Insurance

The cost varies significantly based on your age, driving history, and the vehicle you drive. However, because FR44 requires high liability limits (100/300/50), premiums are higher than standard insurance. However their are discounts you may qulaify for. The best way to determine your exact cost is to call us for a personalized quote.

There is no single “best” company for everyone because rates change frequently. The “best” company is one that offers you the coverage you need at a price you can afford. As independent agents, we compare multiple carriers to find the best fit for you.

The cheapest carrier changes depending on your zip code and violation history. We shop your profile against top carriers to identify the lowest rate available.

You can find cheap quotes by contacting Colucci Insurance. We have access to markets that many other agents do not.

The best way to save on FR44 insurance in West Palm Beach is to contact independent agents like Colucci Insurance. We will not only provide you with multiple quotes from several companies, but we are also local experts in FR44 insurance. Note: Not all independent agents are experts or even offer FR44 insurance. Trust the agency with over 35 years of experience to find your savings.

Need an FR44 Filing Today? Don’t navigate this process alone. Trust the experts who have been serving West Palm Beach since 1990.

Call Colucci Insurance Now: 833-865-3380