Florida SR-22 & FR-44 Insurance Quote

Florida drivers convicted of DUI must file proof of financial responsibility — FR-44 in Florida, with bodily injury limits of $100,000 per person / $300,000 per accident and $50,000 property damage, all substantially above the standard 10/20/10 PIP/PDL floor. The filing has to stay in force continuously for three years from the reinstatement date or the clock restarts. Florida First Insurance of Broward writes FR-44 placements with carriers willing to take post-conviction risks.

Most major preferred carriers decline FR-44 risks outright. Placement is mostly with non-standard markets — Bristol West, Progressive's non-standard tier, Direct General, GAINSCO, Mendota, and the regional Florida specialists — at materially higher premiums than the same driver paid pre-conviction. We re-shop at six months and again at twelve to capture the rate reductions that often kick in as the conviction ages off underwriting databases.

FR-44 placements bind for drivers across Miami-Dade, Broward, and Palm Beach; Collier and Lee on the Gulf; Sarasota, Manatee, Hillsborough, Pinellas, and Pasco around Tampa Bay; Polk, Orange, and Seminole in central Florida; Brevard and Volusia along the Atlantic; Alachua, Marion, and Duval north of I-4; and Leon and Escambia in the Panhandle.

DUI / FR-44 insurance is available to drivers in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.