Florida FR-44 Insurance Guide for DUI Reinstatement
Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.
Find FR-44 Coverage NowFlorida at a Glance
$10,000
Minimum property damage liability
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
$45
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Florida operates as a no-fault state, requiring all drivers to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) with minimums of 10/20/10. However, after a DUI conviction, the Florida Department of Highway Safety and Motor Vehicles mandates FR-44 certification, which raises liability requirements to 100/300/50 — ten times higher for bodily injury per person. Florida eliminated SR-22 filings for DUI offenders entirely in 2008, making FR-44 the exclusive financial responsibility certificate for license reinstatement after DUI.
FR-44 Bodily Injury Liability
FR-44 Property Damage Liability
Personal Injury Protection (PIP)
Uninsured/Underinsured Motorist Coverage
Non-Owner FR-44
Cost Overview
$148–$318/mo
Typical monthly rate in Florida, drivers with an FR-44 filing
Rate data: ValuePenguin, Insurify and MoneyGeek, 2026
Get Your FR-44 Filed and Get Back to Driving
Find FR-44 Coverage NowIf your license is suspended
Hardship license (Business Purposes Only or Employment Purposes Only)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
FR-44 Insurance
The state-mandated certificate proving you carry 100/300/50 liability limits. Your insurer files the FR-44 electronically with the Florida DMV; you do not submit it yourself. The filing remains active for 3 years from your license reinstatement date, and any lapse triggers immediate DMV notification and potential re-suspension.
Non-Owner FR-44
Provides liability coverage and FR-44 filing when you do not own a vehicle. Common among suspended drivers who need reinstatement to commute via borrowed cars, employer vehicles, or rental cars. Does not cover a vehicle you own or one registered to your household.
Liability Insurance
Covers bodily injury and property damage you cause to others. FR-44 liability minimums are 100/300/50; standard Florida minimums are 10/20/10. The gap represents the elevated financial responsibility standard imposed after DUI conviction.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver has no insurance or insufficient limits. Not required in Florida, but highly relevant given one in five drivers operates without coverage.
Collision Coverage
Covers damage to your vehicle after a collision, regardless of fault. Required by lenders if you finance or lease a vehicle. FR-44 filers with newer or financed cars must carry collision to meet loan obligations and maintain the FR-44 filing simultaneously.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, flood, hail, and animal strikes. Florida's hurricane exposure and high vehicle theft rates in metro areas make comprehensive a common addition to FR-44 policies, especially for drivers in coastal counties.