Can I file FR44 myself without an insurance agent?
You cannot file the FR44 form yourself — only a licensed insurance carrier can file the FR44 certificate with the Florida DHSMV. You need to purchase an FR44-compliant insurance policy, and your carrier files the certificate electronically on your behalf. An agent helps you find and purchase that policy.
Why You Can't DIY the Filing
The FR44 certificate is a legal document that your insurance carrier generates and transmits electronically to the Florida DHSMV. It certifies that your policy meets the required $100,000/$300,000/$50,000 liability limits. Only the carrier can generate and file this form — there's no version you can fill out and mail yourself.
What an Agent Does for You
- Finds carriers that write FR44 — Not every carrier does. An agent who specializes in FR44 knows which ones do.
- Compares rates — FR44 rates vary significantly between carriers. We compare 15+ options.
- Handles the filing — Once you purchase, we ensure the FR44 is filed electronically with the DHSMV the same day.
The filing itself is part of the service — you're not paying separately for someone to file a form. You're purchasing an insurance policy, and the filing comes with it.
Call (855) 678-6977 — we handle everything from the quote to the filing.
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Talk to a licensed agent who specializes in SR22 and FR44 filings. Same-day electronic filing in 10 states.