How much does Florida FR44 insurance cost?
FR44 insurance costs more than standard SR22 because Florida requires much higher coverage limits after a DUI — $100,000/$300,000/$50,000 compared to standard minimums of $25,000/$50,000/$10,000. The exact cost depends on your driving record, age, and whether you need an owner or non-owner policy.
Why FR44 Costs More
The FR44's higher coverage limits mean the carrier is taking on significantly more risk per policy. Combined with the fact that FR44 is only required after a DUI conviction — which already places you in the highest-risk driver category — premiums are naturally higher than standard auto insurance or even standard SR22 coverage.
Factors That Affect Your FR44 Rate
- First DUI vs. repeat offense — Multiple DUI convictions carry higher surcharges.
- Owner vs. non-owner policy — Non-owner FR44 policies cost less since they don't cover a specific vehicle.
- Your full driving record — Other violations and accidents compound the rate.
- Your age and other rating factors
Because rates vary significantly between carriers, comparing quotes is essential. We compare rates from carriers that specialize in Florida FR44 policies to find the lowest premium for your specific situation.
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