Florida FR44 Coverage for Auto & Non-Owner

To reinstate your drivers license in the state of Florida after receiving a DUI / DWI, you will be required to keep an FR44 financial responsibility form on file. An FR44 is not an insurance policy by itself, but an endorsement to a policy that verifies to the state Department of Motor Vehicles that you have the required the liability insurance required for driver's license reinstatement.

FR44s require the highest liability limits in the state. The certificate of financial responsibility, or FR44 insurance, is filed by an insurance carrier with the state that proves you have the required insurance to restore your driving privileges.  A DUI conviction means you must carry the highest liability insurance limits of 100/300/50 on the vehicle registered in your name. It is illegal to insure an auto you do not own. This FR44s must be on file for three consecutive years.

The FR44 filing can be on a liability only auto insurance policy or a full coverage insurance policy. or a non-owner policy. The cost of the FR44 depends on your age, zip code, gender, marital status, and motor vehicle report. Rates can vary greatly from one person to another. We would recommend getting several quotes and buy from a company that has experience filing the FR44 form, like Wessell Insurance Services.

Getting a driving under the influence conviction in FL can be extremely expensive, and overwhelming. Call Wessell Insurance Services at 1-866-663-7561 to answer any questions and to get the cheapest FR44 insurance quote.