FR44 Insurance Boca Raton

For over 35 years, Colucci Insurance has been the trusted local expert for FR44 insurance in Boca Raton. Since 1990, we have helped thousands of drivers get back on the road quickly and affordably. We understand that mistakes happen, and navigating the complexities of license reinstatement can be stressful. That’s why we make the process simple with low down payments and EZ monthly payment plans.

As an independent insurance agency, we work for you, not the insurance carriers. Unlike captive agents who can only offer quotes from a single provider—or worse, don’t offer FR44 filings at all—we have access to multiple carriers. This allows us to shop around and provide you with FR44 insurance quotes from several companies, ensuring you get the Cheapest FR44 Insurance Boca Raton has to offer.

We take pride in our reputation for transparency and reliability. You can verify our commitment to excellence by viewing the Colucci Insurance Better Business Bureau Profile A+ rating. This rating is a testament to our trustworthiness, experience, and expertise in providing high-quality FR44 Insurance Boca Raton Florida services.

For Quotes Call 833-865-3380 or Fill Out our easy to use Quote Form: Boca Raton FR44 Insurance Quotes

Don’t Let the Cost of Boca Raton FR44 Insurance Break Your Piggy Bank

For Low Cost FR44 Quotes Call Colucci Insurance Today!

833-865-3380

Many people are confused by the term “FR44 Insurance.” It is important to understand that an FR44 is not actually a type of insurance policy itself; rather, it is a filing form (certificate) of financial responsibility. This certificate verifies to the state that you are carrying the specific liability coverages required by law to reinstate your driver’s license.

The FR44 requirement is specifically for high-risk drivers, primarily those who have been convicted of a DUI (Driving Under the Influence). Currently, Florida is one of only two states that require FR44 filings; the other is Virginia.

The purpose of the FR44 is to ensure that you have adequate financial responsibility in place should you get into another accident. In Florida, all FR44 filings must be transmitted electronically to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) by your insurance company. At Colucci Insurance, we handle this electronic filing instantly for you to speed up your reinstatement process.

The state of Florida has strict requirements for liability limits when an FR44 is involved. These limits are significantly higher than the standard state minimums. You can verify the specific statutes by visiting the Florida FR44 Insurance Statute (Section 324.023).

To satisfy the FR44 requirement, your liability 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

Generally, in Florida, you are required to carry an FR44 for 3 years from the date of your conviction or license reinstatement.

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.

If this happens:

Your license will be suspended again immediately.

The 3-year “clock” starts over from zero (meaning you have to carry the FR44 for another full 3 years).

You will be required to pay additional reinstatement fees and court costs.

We strongly recommend setting up automatic payments to avoid this costly mistake.

If you do not own a vehicle, you may be wondering how you can fulfill the FR44 requirement. The solution is a Non Owners FR44 Insurance policy.

Basically, a non-owners policy is a liability-only policy that covers you as a driver, rather than a specific vehicle. It acts as an excess policy over the vehicle owner’s insurance for the car you are driving.

To qualify for a non-owners policy:

• You cannot own a vehicle.

• You cannot have a car registered in your name.

• You cannot have a vehicle registered to you (even as a co-owner) for financial purposes.

This is often the Best FR44 Insurance Boca Raton option for those who borrow cars or are in between vehicles but need to reinstate their license immediately.

If you have been convicted of a DUI, the court or the DMV may require you to install an Ignition Interlock Device (IID) in your vehicle.

An Ignition Interlock Device is essentially a breathalyzer connected to your vehicle’s ignition system. To start the car, you must blow into the device. If the device detects alcohol on your breath, the engine will not start.

Who has to get an Ignition Interlock Device?

• First Conviction: Only if court-ordered or if your BAL was 0.15 or higher (or if a minor was in the car).

• Second Conviction: Mandatory for at least 1 year (or 2 years if BAL was > 0.15).

• Third Conviction: Mandatory for at least 2 years.

• Four or More Convictions: Mandatory for at least 5 years.

For more technical safety information, you can visit the National Traffic Safety Administration’s website on Ignition Interlock Devices. For general questions regarding the program in our state, please refer to theFLHSMV website on Ignition Interlock Devices.

Getting your license back involves a few specific steps beyond just purchasing FR44 Insurance Boca Raton. Here is a guide for local residents:

Pay Your Court Costs: You must ensure all fines and court fees are settled. You can handle this through the Palm Beach County Clerk of the Court and Comptroller’s office.

Take DUI Classes: Completion of a licensed DUI program is mandatory. You can find approved providers on the FLHSMV DUI Course website.

Contact the Florida Safety Council: For local courses and safety certifications, you can visit the Florida Safety Council.

Once you have your FR44 Insurance Quotes Boca Raton finalized, your filing submitted, your classes done, and your fines paid, you will need to visit a driver license service center.

Residents of Boca Raton are primarily served by the South County Service Center in Delray Beach:

• South County Service Center (Tax Collector) 501 South Congress Ave Delray Beach, FL 33445 (Located just north of Boca Raton)

There are no dedicated full-service driver license offices strictly within the Boca Raton city limits; this Delray Beach location is the standard facility for South Palm Beach County residents.

FR44 insurance costs vary significantly based on your age, driving history, and the vehicle you drive. However, because it requires higher liability limits (100/300/50), it is generally more expensive than standard auto insurance. The best way to determine your cost is to call us for a personalized quote.

With over 35 years of experience and specialized knowledge in high-risk filings, Colucci Insurance is widely considered the best choice for reliability and speed.

Pricing changes daily between carriers. We shop multiple providers to find you the Cheapest FR44 Insurance Boca Raton available at that moment.

Yes, we offer low down and EZ monthly payments on FR44 insurance to help make the premium more manageable for you.

The best way to find cheap quotes on FR44 insurance in Boca Raton is to contact independent agents such as Colucci Insurance. We are not only experts in FR44 insurance but will provide you with multiple quotes from several companies. Note that not all independent agents specialize in FR44 Insurance or even offer FR44 insurance.

If you or a friend need assistance in other areas, check out our other dedicated pages:

• Florida FR44 Insurance
• Miami FR44 Insurance
• Fort Lauderdale FR44 Insurance
• West Palm Beach FR44 Insurance
• Port St Lucie FR44 Insurance
• Hialeah FR44 Insurance
• Homestead FR44 Insurance
• Daytona Beach FR44 Insurance

• Jacksonville FR44 Insurance

• Tallahassee 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

Don’t let a DUI conviction keep you from driving. Trust the experts who have been serving Boca Raton for decades. We make the process fast, easy, and affordable.

Call Colucci Insurance now for your free quote!

833-865-3380