Florida FR-44 Insurance Requirements
What Florida requires, what it costs, and how to file — updated for August 2026.
Minimum Coverage Limits in Florida
Florida requires liability coverage of at least 100/300/50 to satisfy a FR-44 filing. Your policy must meet or exceed these limits for the entire filing period — dropping below them, even temporarily, counts as a lapse.
How to File in Florida
- Confirm your exact filing deadline with the court or the Florida DHSMV.
- Get quotes from insurers that file FR-44s electronically in Florida — see the provider table below.
- Purchase the policy (or add the endorsement to an existing one) and request the filing specifically.
- Your insurer files electronically with the Florida DHSMV, typically within 24–48 hours.
- Keep coverage continuous for the full required period — 3 years from the triggering violation.
Florida FR-44 Costs
| Item | Typical Amount |
|---|---|
| Filing fee | $15 - $25 |
| Required duration | 3 years |
| Minimum liability | 100/300/50 |
Your premium increase depends on the violation and your driving record — see the full cost breakdown for typical ranges by violation type.
How Long Florida Requires It
Florida requires 3 years of continuous FR-44 coverage from the date of the triggering violation. A coverage lapse restarts the clock — see how the timeline works in detail.
Cheapest FR-44 Providers in Florida
| Carrier | Filing Speed | Non-Owner |
|---|---|---|
| Progressive | Electronic, same-day | Yes |
| GEICO | Electronic, same-day | Yes |
| Dairyland | Electronic, 24–48 hrs | Yes |
Full comparison: Cheapest SR-22 by State.
Florida DMV/BMV Contact
| Agency | Florida DHSMV |
| Contact | Find official contact info via USA.gov's state DMV directory |
Frequently Asked Questions
Does Florida require FR-44 for a first DUI?
In most cases, yes — a DUI conviction typically triggers the requirement regardless of whether it's a first offense, though specifics depend on your court's order.
Can I get a non-owner FR-44 in Florida?
Yes. If you don't own a vehicle, a non-owner policy satisfies the filing requirement — see non-owner SR-22 insurance.