Florida requires FR44 insurance when applying to reinstate their driver’s license following a DUI or DWI conviction. FR44 is a document showing financial responsibility and proving that they carry coverage. However, FR44 requires liability coverage limits to exceed Florida’s minimum. In addition, they may see the term “FR44” written in various ways. For example, they will see it as “FR-44,” “FR44,” and “FR 44.” These variations are still the same thing, just written differently.

Why Do They Need FR44?

The state of Florida requires FR44 insurance. Drivers guilty of a DUI will have their license suspended and have quite a cost increase to their auto rates over the next five years. The FR44 is aside from the usual penalties such as fines, jail time, and license suspension. To get a license reinstated, they will have to purchase this.

When Is FR44 Insurance Required In Florida?

There are a few instances in which Florida will require FR44. Each of these instances is listed below. For the most part, it is self-explanatory.

• Law enforcement catches them driving a vehicle under drugs or alcohol.
• Police discovered them operating a motor vehicle without a suspended license.
• The customer has federal law, state law, or local ordinance violations.

How Do They Get An FR44, And How Long Do They Need It?

To get FR44 coverage in Florida, they must inform the insurance company when purchasing a policy. As for how long they will need this, an FR44 verifies that they will carry double the state’s minimum liability requirements for the next three years.

A driver convicted of a DUI must have their liability limits increased on the day of the offense and not owe a reinstatement fee to the state. The reinstatement fee as of 2008 is $150 for the first offense, $250 for the second, and $500 for the third.

How Much Does FR44 Insurance In Florida Cost?

As they may already know, Florida Insurance Quotes determines insurance rates from many factors. These factors include driving history, age, and where they live. Unfortunately, requiring FR44 already deems them a high-risk driver, increasing premiums. As a result, it is impossible to determine precisely how much FR44 will increase a policy. However, Florida Insurance Quotes may save money with a different carrier to help offset the added expense of FR44. Click on “Get A Quote,” and we will happily connect them with one of our agents.

Can They Cancel?

By law, drivers cannot cancel a Florida FR44 policy. If the insurance coverage lapses, then the license will be suspended. As mentioned above, they will need to keep this for three years. When it comes to an FR44 policy in Florida, if they need help purchasing one, Florida Insurance Quotes can help. Reach out to one of our friendly agents; they will get back to them as soon as possible. Now that they understand what they need, it will be easy to get a quote today.