What happens when my three-year FR44 requirement ends?
Direct Answer
Once your 3-year continuous filing period is complete, your FR44 requirement is satisfied. You can shop for standard auto insurance without the high-risk surcharge. Your carrier stops filing the FR44 certificate, and your rates should drop significantly.
Steps When FR44 Ends
- Confirm with the DHSMV — Contact the Florida DHSMV to verify your requirement has been fully satisfied.
- Notify your carrier — Tell them the FR44 requirement is complete so they can stop the filing.
- Shop for standard rates — You’re no longer classified as a high-risk FR44 driver. Compare rates from standard carriers — the savings can be substantial.
What to Expect on Rates
Most drivers see a significant rate decrease once the FR44 is removed. You’re no longer required to carry the enhanced $100,000/$300,000/$50,000 limits (though you can keep higher limits if you choose), and you’re no longer in the high-risk pool. The DUI will still be on your record and may affect rates, but the FR44 surcharge disappears.
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