Miami, Florida SR-22 & FR-44 insurance at the lowest price — guaranteed.Low monthly payments, filed same day.
We file SR-22 and FR-44 directly with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) and shop many carriers licensed in Florida to find the lowest rate for drivers across Miami — with low down payments and small monthly payments.
Talk to a licensed agent now — quoted and filed in minutes
Lowest rate guarantee
Lowest SR-22 & FR-44 rate in Miami, Florida
Low monthly payments
Low down payments accepted
Quote by phone for your Florida SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
Quote by phone: 844-341-0458Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadWhy Miami drivers choose us
Same-day filing. Low payments. Zero paperwork.
Same-Day Reinstatement
Your filing goes to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) the same day you buy. Back on the road in Miami tonight, not next week.
Filed Directly With The DMV
We transmit your certificate to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) for you — no paperwork for you to chase down.
Low Down Payments
Get reinstated today with a low down payment and small monthly installments that fit your budget.
Miami filing options
SR-22 or FR-44 — which one do you need?
Florida uses both forms. The right one depends on why your license was suspended.
SR-22
Florida minimum: 10/20/10 PIP & PDL basics; FR-44 requires 100/300/50
A certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) proving you carry the state-required liability coverage. Used for non-DUI suspensions.
- State minimum liability limits
- For uninsured accidents, points, judgments
- Owner and non-owner policies
FR-44
Florida minimum: 100/300/50
A higher-limit certificate required after a DUI conviction in Florida. Filed the same day with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
- $100k/$300k bodily injury, $50k property damage
- Required after DUI, not optional
- Non-owner FR-44 available
About us
Miami SR-22 & FR-44 filings, handled by people who do it every day
SR22 & FR44 Insurance is a proud member of The Insurance Exchange of America and can get your SR-22 or FR-44 filed with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) today. As a broker representing many carriers licensed in Florida, we shop the best rate for your record — conventional, high-risk, or after a DUI.
We know your time is valuable and you want your filing done fast and at the lowest rate available. We offer quotes from many companies, non-owner and owner-operator coverage for single and multiple DUI/DWI offenses, immediate filings, and monthly payments for qualifying drivers in Miami and the surrounding metro.
A non-owner policy can be purchased if there are no automobiles registered in your name. It also works if there are vehicles in the household not registered to you — the exception being a husband and wife who own a vehicle, in which case the vehicle has to be listed.
Why people choose us
- Same-day Miami license reinstatements
- SR-22s and FR-44s issued instantly the day you buy
- Simple purchase process by phone, email or fax
- Expert knowledge of Florida's filing requirements
- Owner and non-owner policies for single or multiple offenses
- Low down payments and low monthly payments
- 100% satisfaction guaranteed
Miami savings
Lowest SR-22 & FR-44 rate in Miami
We shop 30+ carriers licensed in Florida so you do not overpay. Same-day filing, low down payments, and monthly options for qualifying drivers.
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Carriers compared
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Filing speed
Low down / monthly
Payment options
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Ready when you are
Get your Miami SR-22 & FR-44 quote in about 2 minutes
No obligation. Same-day filing with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) once you're covered.
Florida FR-44 after a DUI
Florida FR-44 insurance
After a Florida DUI, FLHSMV requires an FR-44 — not an SR-22 — at 100/300/50 limits. We quote and file it the same day.
- FR-44 liability limits
- 100/300/50 — $100,000 bodily injury per person, $300,000 per accident, $50,000 property damage (plus Florida PIP and PDL)
- Filing period
- 3 continuous years from your reinstatement date
- Files with
- Florida Department of Highway Safety and Motor Vehicles (FLHSMV)
- Typical cost
- $130–$300 / month at FR-44 limits
What makes the FR-44 different from the SR-22
Ten times the bodily injury limits
Florida's SR-22 minimum is 10/20/10. The FR-44 jumps to 100/300/50 — the single biggest reason premiums are higher.
Payment terms
SR-22 policies are easy to pay monthly. FR-44 policies are often prepaid, but some carriers approve monthly installments — worth a call before paying the full term.
DUI only
Any non-DUI financial-responsibility suspension in Florida stays on the SR-22 at 10/20/10.
Florida FR-44 policies are often prepaid, but several carriers offer approved monthly plans that keep coverage continuous. Call us to find a monthly option.
What triggers an FR-44 in Florida
- DUI conviction in Florida
- Out-of-state DUI transferred to your Florida record
- Boating-under-the-influence conviction
- Reinstating after a DUI revocation or hardship license
How to get filed in Florida
- 1Finish DUI school and any required evaluation or treatment.
- 2Buy a Florida policy at 100/300/50 with the FR-44 endorsement.
- 3Pay for the policy — prepaid or on an approved monthly plan.
- 4We transmit the FR-44 to FLHSMV, usually same day.
- 5Pay the FLHSMV reinstatement fee and get back on the road.
Florida FR-44 insurance explained
Florida is one of only two states that use the FR-44. After a DUI conviction, FLHSMV will not accept an SR-22 — it requires an FR-44 at 100/300/50 bodily injury and property damage limits, plus Florida's mandatory $10,000 PIP and $10,000 PDL.
Why FR-44 premiums are higher
The liability limits are ten times the SR-22 minimums. Many FR-44 policies are prepaid, though some carriers approve monthly plans that keep coverage continuous. Rates also vary widely between companies, so shopping several FR-44-friendly carriers is the fastest way to lower the number.
Non-owner FR-44 policies
If you sold your car or drive someone else's, a non-owner FR-44 satisfies the same 100/300/50 requirement at a fraction of the cost. It covers your liability when you drive a vehicle you do not own and keeps the certificate active with FLHSMV for the full three years.
Keep the filing continuous
FLHSMV is notified the moment an FR-44 policy cancels. A single lapse re-suspends your license and restarts the three-year clock, so renew on time or call us before switching carriers.
Florida FR-44 FAQs
What is an FR-44 in Florida?
It's the certificate Florida requires after a DUI conviction. Your insurer files it with FLHSMV to prove you carry 100/300/50 liability coverage.
How is an FR-44 different from an SR-22 in Florida?
Same filing process, different limits. SR-22 proves 10/20/10 and is easy monthly. FR-44 proves 100/300/50 and is usually prepaid, though some carriers allow monthly plans.
How long do I need an FR-44 in Florida?
Three continuous years from your reinstatement date. Any lapse cancels the reinstatement and restarts the clock.
Can I pay for a Florida FR-44 monthly?
Sometimes. Many FR-44 policies are prepaid, but several carriers offer approved monthly plans that satisfy FLHSMV. Call us and we'll check which companies allow monthly on your filing.
Can I get a non-owner FR-44 in Florida?
Yes. If no vehicle is titled in your name, a non-owner FR-44 satisfies FLHSMV at 100/300/50 and usually costs far less than an owner policy.
How fast can my Florida FR-44 be filed?
Most carriers transmit the FR-44 to FLHSMV electronically the same business day you pay. We can often file it within the hour.
Get your Florida FR-44 filed today
One call and a licensed agent can quote FR-44 limits and transmit the filing to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) — usually the same business day.
Latest Florida SR-22 news
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Get your Miami SR-22 & FR-44 today
Tell us about your situation and we will come back with Miami options — usually the same business day.
DUI conviction? Jump to the Florida FR-44 section.
SR-22 and FR-44 filings in Miami-Dade
Miami-Dade County handles more DUI cases than any other county in Florida, and nearly all of them end in an FR-44 requirement rather than a standard SR-22. If your case moved through the Richard E. Gerstein Justice Building or one of the county's branch courts, expect FLHSMV to demand 100/300/50 liability limits for three years.
Why Miami rates run high
Miami is consistently the most expensive auto insurance market in Florida. Dense traffic, high uninsured-driver rates, and litigation volume push premiums well above the state average — often 40 to 60 percent higher than Jacksonville for the same driver profile. Comparing several carriers is not optional here.
Where to reinstate
Miami-Dade drivers reinstate through county tax collector driver license offices, which handle FLHSMV services locally. Bring your DUI school completion certificate, proof the FR-44 is on file, and payment for the reinstatement fee.
Non-owner options
Many Miami drivers rely on transit or a household vehicle titled to someone else. A non-owner FR-44 satisfies the state at full limits for a fraction of the cost of an owner policy.
Miami SR-22 & FR-44 FAQs
Do Miami DUI convictions require an FR-44?
Yes. Any Florida DUI conviction, including those in Miami-Dade County, requires an FR-44 with 100/300/50 liability limits for three continuous years, not a standard SR-22.
How much does SR-22 insurance cost in Miami?
Miami is the priciest market in Florida. Minimum-limit SR-22 coverage commonly runs $110–$240 per month, and FR-44 limits often run $180–$350 per month depending on driving history and vehicle.
Where do I reinstate my license in Miami?
Miami-Dade drivers reinstate at a county tax collector driver license office, which provides FLHSMV services. You will need DUI school proof, the filing on record, and the reinstatement fee.
Other Florida cities
Florida SR-22 & FR-44 guides
FR-44 Insurance Without a Car in Florida: Step by Step
A step-by-step guide to getting a Florida non-owner FR-44 after a DUI — 100/300/50 limits, FLHSMV filing, costs, and reinstatement timing.
SR-22 Insurance in Tampa: Coverage and Compliance
What Tampa drivers need for an SR-22 in Florida: minimum limits, FLHSMV filing, typical costs, and when a DUI makes it an FR-44 instead.
What Drives FR-44 Insurance Costs in Florida
The real factors behind Florida FR-44 pricing — 100/300/50 limits, DUI recency, vehicle, ZIP code, and payment structure — plus ways to lower it.
Non-Owner FR-44 in Florida: Comprehensive Guide
Everything Florida drivers need to know about non-owner FR-44 coverage after a DUI — eligibility, 100/300/50 limits, FLHSMV filing, and costs.
Affordable FR-44 Insurance in Florida: How to Get It
Practical ways Florida drivers lower FR-44 costs after a DUI — carrier comparison at 100/300/50, coverage choices, payment structure, and renewal timing.
Non-Owner FR-44 in Florida: Compliance Essentials
What Florida requires from a non-owner FR-44 after a DUI: 100/300/50 limits, PIP rules, three-year filing, and reinstatement steps.