Frequently Asked Questions About FR44
Quick answers to the most common FR44 insurance questions Florida drivers ask us.
Florida FR44 & SR22 Specialists
Florida FR44 Insurance Quotes Made Easy
Affordable coverage, compared across multiple Florida carriers, delivered fast. Whether you need FR44, SR22, or standard auto coverage, we do the shopping so you don't have to — statewide, from Pensacola to the Keys.
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Why Choose Us
Insurance shopping, minus the runaround
We built our process around what Florida drivers actually want: a fast answer, a fair price, and a human who responds when you text.
Fast Quotes
Get real numbers in minutes, not days. No lengthy forms, no runaround.
Affordable Rates
We shop your policy across multiple carriers to find competitive FR44 and SR22 pricing.
Compare Carriers
We check leading Florida-licensed insurers side by side so you don't have to.
Texting Preferred
Reach a real person fast. Most customers say texting beats waiting on hold.
How It Works
How FR44 insurance works in Florida
FR44 is a certificate your insurer files electronically with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) confirming you carry higher-than-standard liability coverage. Here's the process from start to finish.
Read the Full FR44 Guide- 1
Tell us your situation
Share your driving history and the state's requirement (usually from the court or FLHSMV).
- 2
We compare carriers
We check rates across multiple Florida-licensed insurers who write FR44 policies.
- 3
You choose your policy
We walk you through the options in plain English — no jargon, no pressure.
- 4
We file your FR44
Your carrier submits the FR44 certificate to the state electronically on your behalf.
Who Needs It
Who needs FR44 insurance?
Florida typically requires an FR44 after certain serious driving convictions. You may need FR44 coverage if you have:
A DUI or DWI conviction
Florida courts commonly order FR44 filings after a first or repeat DUI conviction.
Driving with no insurance
Certain uninsured-driving violations can trigger an FR44 (rather than the lower-limit SR22) requirement.
Repeat serious violations
A pattern of serious offenses can lead a court or the FLHSMV to require FR44 proof of coverage.
Statewide Coverage
Proudly serving all of Florida
From the Panhandle to the Keys, we help Florida drivers get FR44, SR22, and standard auto coverage — entirely online, by phone, or by text.
- Miami
- Orlando
- Tampa
- Jacksonville
- Fort Lauderdale
- St. Petersburg
- Tallahassee
- Pensacola
- West Palm Beach
- Fort Myers
- Cape Coral
- Naples
- Sarasota
- Gainesville
- & more
Who We Work With
Insurance companies we compare
We shop your policy across a network of Florida-licensed carriers to help find competitive FR44 and SR22 rates.
- Progressive
- State Farm
- GEICO
- Allstate
- National General
- Bristol West
- Direct Auto
- Dairyland
- Safe Auto
- Kemper
Carrier availability varies by driving history, vehicle, and location. We'll confirm which carriers can quote your specific situation.
Common Questions
Frequently asked questions
Answers to the questions we hear most from Florida drivers shopping for FR44 and SR22 coverage.
View All FAQsWhat is FR44 insurance in Florida?
FR44 insurance is proof of financial responsibility Florida requires after certain DUI or serious traffic convictions. It requires higher liability limits than standard policies, and your insurer files the FR44 form electronically with the state on your behalf.
How fast can I get a quote?
Most drivers get quotes within minutes. Fill out our quote form or text us your basic info and we start comparing carriers right away.
Do you serve all of Florida?
Yes. We work with drivers statewide, from Miami and Tampa to the Panhandle and everywhere in between, entirely online, by phone, or by text.
Is texting really the fastest way to reach you?
Yes — most of our customers prefer to text rather than call, and we typically respond to texts faster than phone messages. Send us your name and the coverage you need and we'll take it from there.
From the Blog
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FR44 Basics
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What Documents Do You Need to Get Insured?
The documents Florida drivers typically need to get an auto insurance quote and policy, including for FR44 and SR22 filings.
Cost & Rates
Florida Insurance Discounts You Might Be Missing
Common auto insurance discounts available to Florida drivers, including options that still apply under FR44 or SR22 coverage.