FR44 Insurance in Florida: Get Back on the Road with Ed’s Insurance Agency

If you’ve had your license suspended due to a DUI, DWI, or serious traffic offense, the road to reinstatement starts with the right insurance—and in Florida, that often means an FR44 filing. At Ed’s Insurance Agency, we specialize in helping high-risk drivers in Broward County, Central Florida, and Northern Florida meet legal requirements and get back behind the wheel—quickly and affordably.

fr44 insurance car parked on street

What is FR44 Insurance?

FR44 insurance is a special certificate your insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove you carry higher-than-standard liability coverage.

This is not a separate insurance policy—it’s an endorsement attached to your existing auto insurance policy. If your coverage lapses or is canceled for any reason, your insurer must notify the state, which may result in another license suspension.

Florida FR44 minimum liability limits are:

  • $100,000 Bodily Injury per person

  • $300,000 Bodily Injury per accident

  • $50,000 Property Damage

Who Needs FR44 Insurance in Florida?

FR44 insurance is typically required for drivers with serious traffic offenses, including:

  • DUI or DWI convictions

  • Driving under the influence of drugs

  • Driving with a suspended or revoked license

  • Multiple or repeated major traffic violations

  • Serious accidents involving injuries while uninsured

Even if you don’t own a car, we can help you get a non-owner FR44 policy so you can still legally drive rental or borrowed vehicles.

How Long Do I Need FR44 Insurance?

In most Florida cases, you’ll need to carry FR44 insurance for three years, although this can vary based on the court’s decision. If your policy lapses during this time, the clock may reset, and you could face additional fines and penalties.

What Happens If I Don’t Get FR44 Coverage?

Failing to comply with FR44 requirements can lead to:

  • Immediate license suspension

  • Up to $5,000 in fines

  • Further legal action or jail time

  • Higher insurance premiums in the future

  • A restart of your FR44 filing period

Get Help Today from Ed’s Insurance Agency

At EdsInsurance4U.com, we work with top-rated carriers across Florida to find affordable FR44 policies that meet legal requirements and fit your budget. We serve Broward County, Palm Beach, Orlando, Gainesville, Jacksonville, and everywhere in between.

Don’t wait— Contact Ed's Insurance Agency today to see if FR44 is right for you and take the first step toward reinstating your license.