Florida DUI insurance

After a DUI, Florida requires an FR-44 — not an SR-22. We quote the carriers that write DUI records and file with the DHSMV the same day.

FR-44 filed electronically with the Florida DHSMV today
100/300/50 limits, exactly what the state requires after a DUI
Owner and non-owner DUI policies
Low down payments with monthly installments

Quote by phone: 844-354-0088

Fastest way to get filed

Quote by phone for your Florida FR-44 quote

A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.

Quote by phone: 844-354-0088

Mon–Fri 9am–6pm ET · Sat 10am–3pm ET

Can’t talk now? Request a callback instead

20+ years

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Drunk driving insurance in Florida is an FR-44

Most states use an SR-22 for every serious violation. Florida is different: a DUI or a driving-under-the-influence conviction triggers the FR-44, which carries much higher liability limits than an SR-22 at the same address.

Florida standard minimum: 10/20/10 — PIP and PDL only
Florida FR-44 after a DUI: 100/300/50 bodily injury and property damage
Filing term: three continuous years from reinstatement

Why DUI quotes vary so much

Many standard insurers decline a DUI record outright. The carriers that do write it price the surcharge very differently, so the same driver can see hundreds of dollars of spread on an identical FR-44 policy. Comparing specialist carriers is the whole game.

Getting your license back

Once the policy is issued we transmit the FR-44 electronically, so the DHSMV sees it without you carrying paperwork to an office. See the full Florida FR-44 requirements or check Florida hardship license rules if you need to drive before reinstatement.

Can’t talk right now?

Calling is the fastest way to get filed today. If you’d rather not talk, request a callback and a licensed agent will reach out.

Frequently asked questions

What insurance do I need after a DUI in Florida?

A Florida DUI conviction requires an FR-44 filing with liability limits of 100/300/50 — $100,000 bodily injury per person, $300,000 per accident and $50,000 property damage. That is far above Florida's standard 10/20/10 PIP and PDL minimums.

How long does the FR-44 stay on my record in Florida?

Florida requires the FR-44 filing to stay in force continuously for three years from the date your driving privileges are reinstated. A lapse triggers an immediate re-suspension.

Can I get DUI insurance the same day?

Yes. We quote carriers that specialize in DUI records and file the FR-44 electronically with the Florida DHSMV the same day the policy is issued.

What if I do not own a car?

A non-owner FR-44 policy satisfies the filing at the same 100/300/50 limits and is normally the cheapest way to get your license back.

Fastest way to get filed

Quote by phone for your Florida FR-44 quote

A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.

Quote by phone: 844-354-0088

Mon–Fri 9am–6pm ET · Sat 10am–3pm ET

Can’t talk now? Request a callback instead

Quote by phone: 844-354-0088