Need FR-44 Insurance in Florida?
Our team helps Florida drivers secure the required coverage and complete FR-44 filings quickly so they can move forward with license reinstatement.
- Same-Day Filing
- Multiple Carriers
- Florida Licensed
- Serving FL Since 2009
Start in under 60 seconds.
No obligation. A licensed Florida agent reviews your situation and reaches out with options.
Get My FR-44 QuoteThe 4 most common FR-44 questions.
What Coverage Do I Need?
Florida requires significantly higher liability limits for FR-44 filings than standard auto insurance. We'll confirm the exact limits required for your case.
How Do I Get My License Back?
Once your policy is active and the FR-44 is filed, you can continue the DMV reinstatement process.
How Long Do I Need FR-44 Insurance?
Most Florida drivers are required to maintain FR-44 coverage for approximately three years, though requirements vary by case.
How Much Will It Cost?
Rates depend on driving history, vehicle information, location, and available carriers. We shop multiple companies to find a competitive option.
What is an FR-44?
An FR-44 is not insurance itself — it is a certificate filed with the Florida DMV proving you carry higher liability limits than standard Florida auto insurance.
Many drivers are required to carry an FR-44 after a DUI-related offense. The filing stays attached to your auto policy for the full required period.
We can often file your FR-44 the same day coverage begins.
How the process works.
We handle the filing process directly with the state whenever possible — simple, transparent, and built for speed.
- 1
Request a Quote
Share a few quick details so we understand your situation.
- 2
Review Your Requirements
We confirm what Florida and your court order require.
- 3
Secure Coverage
We shop multiple carriers for an eligible high-limit policy.
- 4
We File The FR-44
We handle the filing directly with the state whenever possible — often same day.
- 5
Continue Reinstatement
Take your confirmation forward in the DMV reinstatement process.
Why Florida drivers choose Nextwave.
Serving Florida Since 2009
Multiple Carrier Options
Same-Day Filing Available
Friendly Local Service
Experienced FR-44 Assistance
Bilingual Team Members
Who typically needs FR-44 insurance?
If the court or DMV has notified you that you need an FR-44 filing, you're not alone — and you have options. Here are the most common reasons Florida drivers come to us.
DUI Convictions
FR-44 filings are most commonly required after a DUI-related offense in Florida.
Court Ordered Filings
A judge may require an FR-44 as part of a sentence or plea agreement.
License Reinstatement
Required to lift a suspension tied to a serious traffic offense.
DMV Requirements
The Florida DMV may require an FR-44 before restoring driving privileges.
Financial Responsibility
Florida's higher liability limits prove ongoing financial responsibility.
Meet your local insurance experts.
Lisa Thompson
Co-Owner, Nextwave Insurance Agency
- Licensed Florida Insurance Agent
- Serving Florida Drivers Since 2009
- Specializes in FR-44 and High-Risk Auto Insurance
"We help drivers move through the FR-44 process as smoothly as possible. Our goal is to make a stressful situation easier."
Get your FR-44 quote.
A licensed Florida agent will follow up with options for your situation.
What happens next?
- 1
We review your situation.
- 2
We identify available options.
- 3
We help you complete the FR-44 filing process.
Prefer to talk now?
941-842-0200Frequently asked questions.
What is the difference between SR-22 and FR-44?
FR-44 filings require significantly higher liability limits and are commonly associated with DUI-related offenses, while SR-22 filings meet Florida's standard minimum limits.
Can I get an FR-44 today?
In many situations, yes. Once coverage is secured, we can often submit the filing the same day.
How long do I need FR-44 insurance?
Requirements vary, but many Florida drivers must maintain FR-44 coverage for approximately three years.
Can I switch insurance companies while carrying an FR-44?
Yes, provided continuous coverage and filing requirements are maintained. Make sure the new policy is in place and the FR-44 is re-filed before cancelling the old one.
Will FR-44 increase my premium?
Most drivers experience higher premiums because of the increased liability requirements and the underlying driving history.
Related resources.
SR-22 Insurance Florida
Standard Florida financial responsibility filing for license reinstatement.
Read moreSR-22 vs FR-44 in Florida
Understand the differences and which filing applies to your situation.
Read moreHow to Reinstate a Suspended License in Florida
A step-by-step overview of getting back on the road legally.
Read moreSR-22 Without a Car in Florida
Non-owner SR-22 options for drivers who do not currently own a vehicle.
Read moreHow Long Do I Need SR-22 Insurance Florida
Understand your filing timeline and avoid costly lapses.
Read moreWhat Coverage Do I Need For SR-22 Florida
Learn the required liability limits, PIP, and coverage rules for Florida SR-22 filings.
Read moreHow Much Does SR-22 Insurance Cost Florida
Understand pricing factors and get a personalized quote for your SR-22 filing.
Read moreNeed FR-44 Insurance Today?
We're ready to help.
Get help from a Florida licensed agent and start your quote in minutes.