Does my FR44 time continue while I have a BPO or hardship license?
Yes. Your FR44 filing period runs continuously once it starts, regardless of whether you hold a full license or a BPO/hardship license. As long as your FR44 insurance remains active and continuous, the clock keeps running.
The Clock Runs Regardless of License Type
Florida's 3-year FR44 requirement is tied to your insurance filing, not your license type. Whether you have:
- A BPO (Business Purpose Only) license
- A hardship license
- A fully reinstated license
- No license at all (but still maintaining the FR44 insurance)
— the 3-year clock keeps running as long as your FR44 coverage remains active and continuous.
Why This Matters
Many drivers get a BPO license early in the process so they can continue driving for work and essential purposes. The good news is that this time counts toward your 3-year requirement. You don't need a fully reinstated license for the clock to run — you just need to maintain continuous FR44 insurance.
Ready for Your Quote?
Talk to a licensed agent who specializes in SR22 and FR44 filings. Same-day electronic filing in 10 states.