Tampa, 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 Tampa — 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 Tampa, 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 Tampa 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 Tampa 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.
Tampa 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
Tampa 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 Tampa 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 Tampa 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
Tampa savings
Lowest SR-22 & FR-44 rate in Tampa
We shop 30+ carriers licensed in Florida so you do not overpay. Same-day filing, low down payments, and monthly options for qualifying drivers.
30+
Carriers compared
Same day
Filing speed
Low down / monthly
Payment options
100% guaranteed
Satisfaction
Ready when you are
Get your Tampa 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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Florida SR-22: Back on the Road After a Driving Hiccup
Navigating SR-22 insurance in Florida can feel complex, but it's your path back to legal driving. Learn about filing, requirements, triggers, and more.
8/13/2026
Florida SR-22: Your Guide to Maintaining Driving Privileges in the Sunshine State
Navigating Florida's SR-22 requirements can feel complex, but staying informed is key to keeping your driving privileges. Learn what triggers it, how to comply, and avoid common pitfalls.
8/12/2026
Florida SR-22 Essentials: Your Guide to Staying Compliant & Driving Legal
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Get your Tampa SR-22 & FR-44 today
Tell us about your situation and we will come back with Tampa options — usually the same business day.
DUI conviction? Jump to the Florida FR-44 section.
SR-22 and FR-44 filings in Hillsborough County
Tampa DUI cases run through the Hillsborough County Courthouse, and a conviction triggers Florida's FR-44 requirement — 100/300/50 liability limits filed with FLHSMV for three continuous years. Non-DUI suspensions, like an uninsured at-fault crash on the Selmon Expressway, use the standard SR-22 at 10/20/10.
Tampa rates in context
Tampa sits between Miami and Jacksonville on cost. Premiums are meaningfully lower than South Florida but above the statewide median, driven by storm exposure and I-275 corridor claim frequency.
Reinstatement in Hillsborough
Hillsborough County Tax Collector offices handle driver license reinstatements. Complete DUI school first — the office cannot process the reinstatement without the completion certificate even if your FR-44 is already on file.
Prepaid policy requirement
Remember that Florida requires FR-44 policies to be prepaid or placed on an approved plan. Budget for a full six-month term up front rather than a small down payment.
Tampa SR-22 & FR-44 FAQs
How much is SR-22 insurance in Tampa?
Tampa SR-22 policies typically run $85–$190 per month at minimum limits. FR-44 coverage at 100/300/50 usually falls between $150 and $290 per month.
Which court handles Tampa DUI cases?
DUI cases are heard in Hillsborough County court in downtown Tampa. A conviction there results in an FR-44 requirement filed with FLHSMV.
Can I get same-day SR-22 filing in Tampa?
Yes. Florida filings are transmitted electronically, so a policy bound in the morning is usually visible to FLHSMV the same business day.
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.