January 21, 2026
Dorsal Insurance
FR44 filing in Florida
In Florida, an FR-44 is a certificate of financial responsibility proving you have high-risk auto insurance, typically required after a DUI conviction, with minimum liability limits of $100k/$300k/$50k, filed by your insurer with the state to reinstate your license, and usually maintained for about three years, leading to significantly higher premiums.
What is an FR-44?
- It’s a document, not insurance itself, that proves you meet Florida’s financial responsibility law for high-risk drivers.
- It’s often called “
and is needed for license reinstatement after serious offenses like DUI/DWI.
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Key Requirements
- Coverage Limits: You must carry higher minimum liability limits, generally $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage.
- Electronic Filing: Your insurance company electronically files the FR-44 form with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
- Duration: Typically required for a minimum of three years after the violation.
Who Needs It?
- Drivers convicted of a DUI or serious drug-related traffic offense.
- Those with suspended licenses or who were caught driving uninsured.
How It Works
- Get Insurance: You purchase an auto insurance policy that meets the strict FR-44 liability limits.
- Insurer Files: Your provider submits the FR-44 form to the FLHSMV.
- License Reinstatement: The state requires the form before they’ll reinstate your driving privileges.
Cost
- Premiums are much higher than standard insurance due to the high-risk designation and increased coverage, even though the filing fee itself is small.
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