Infinity FR-44 in Florida: Non-Standard Niche Reality

Aggregator platforms collect your information and distribute it to multiple carriers simultaneously. Infinity receives the lead because their system initially accepts high-risk profiles — DUI, suspended license, lapsed coverage. The aggregator records this as a match and displays Infinity as an available option. The breakdown happens during underwriting. Infinity's current underwriting guidelines in Florida exclude new FR-44 applicants, but this filter doesn't activate until after the quote stage. By the time you receive a denial or non-response, you've already provided your information, waited days for follow-up, and potentially turned down other carriers. This is not unique to Infinity. Several carriers that once wrote FR-44 in Florida — including some national brands — have tightened underwriting or exited the FR-44 market entirely but still appear in quote tools because their systems accept the initial lead before applying the FR-44 exclusion.

The active FR-44 market in Florida is narrow. Non-standard carriers dominate new issuance because standard and preferred carriers classify DUI convictions as uninsurable risk for the required 100/300/50 liability limits. Carriers confirmed to write new FR-44 business in Florida include The General, Direct Auto, Acceptance Insurance, and a small number of regional non-standard carriers. GEICO, Progressive, State Farm, and Allstate do not actively write new FR-44 policies in Florida for drivers with recent DUI convictions, though they may retain existing customers who later incur a DUI if other underwriting factors remain acceptable. Non-owner FR-44 policies — required if you don't own a vehicle but need your license reinstated — are even more restricted. The General and Direct Auto both offer non-owner FR-44 in Florida. Expect monthly premiums between $150 and $350 depending on your conviction date, age, and county. Owned-vehicle FR-44 premiums typically run $200 to $500 per month for minimum liability limits.

You submit your information through an aggregator or directly to Infinity. You receive an initial quote — often within the same day — showing a monthly premium estimate. The quote may look competitive compared to non-standard carriers you've contacted. Within 3 to 10 business days, one of three outcomes occurs. Infinity declines the application outright, citing underwriting guidelines that exclude FR-44 filers. Infinity offers a standard liability policy without FR-44 filing, which does not satisfy your reinstatement requirement and leaves you uninsurable if you accept it. Or Infinity goes silent — no formal denial, no policy issued, just an open application that never converts. The third scenario is the most damaging. You believe coverage is pending, you wait for the FR-44 certificate to reach Florida DHSMV, and after two weeks you contact DHSMV to check reinstatement status only to learn no filing has been received. Your suspension continues. If you were driving on the assumption that coverage was in place, you were driving without valid insurance and without a valid license — a second-degree misdemeanor in Florida with penalties including vehicle impoundment.

Start with carriers that explicitly advertise FR-44 coverage in Florida and have confirmed underwriting appetite for DUI convictions. The General and Direct Auto both maintain dedicated FR-44 programs with transparent pricing and same-day filing capability once the policy is bound. When comparing quotes, confirm the carrier will file the FR-44 certificate with Florida DHSMV electronically within 24 hours of policy inception. Ask explicitly: "Do you write new FR-44 policies for drivers with a DUI conviction in Florida right now?" If the agent hedges or says they need to check with underwriting, move to the next carrier. Do not rely on aggregator platforms to filter out carriers that don't write FR-44. The platforms optimize for lead volume, not underwriting accuracy. A quote is not a policy. A callback is not approval. Only a bound policy with a confirmed FR-44 filing submitted to DHSMV satisfies your reinstatement requirement. If your license suspension includes a hard suspension period — common for DUI convictions in Florida — confirm the exact date your eligible reinstatement period begins. Filing FR-44 before that date does not count. Filing after that date extends your suspension. The 3-year continuous coverage requirement begins only after reinstatement is completed and your license is active again.