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Florida higher financial responsibility
Florida FR-44 Insurance: Higher DUI-Related Limits, Continuity, and Equal-Terms Quotes
FR-44 insurance Florida is about higher liability proof, not a sticker price. Verify the filing dates on your FLHSMV record, then compare the policy and payment terms underneath the form.
Reviewed August 12, 2026
- Free for drivers
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The statutory rule
What an FR-44 is (and is not)
An FR-44 relates to proof that you can respond in damages at the higher limits the statute requires. It is not the insurance policy itself. You still need a policy (or another method the law allows) that can support the filing named on your notice. Ask the insurer to confirm in writing that the proposed contract supports that filing.
ShowMyRates is an independent comparison service, not an insurer, agency, or advisor. This page does not recommend a company, promise a premium, or tell you which filing to choose. The notice and state record control.
For the general SR-22 notice workflow (when the notice does not name FR-44), use the Florida SR-22 insurance guide.
Read 100/300/50
The statutory higher limits under Fla. Stat. §324.023
The statute applies, in addition to other financial responsibility required by law, to every owner or operator of a motor vehicle required to be registered in this state, or located within this state, who—regardless of adjudication of guilt—has been found guilty of or entered a plea of guilty or nolo contendere to a charge of driving under the influence under s. 316.193 after October 1, 2007.
| Coverage limit | Required amount | How to read it |
|---|---|---|
| Bodily injury, one person | $100,000 | Maximum policy payment for covered bodily injury to one person, subject to the policy |
| Bodily injury, one crash | $300,000 | Maximum for covered bodily injury to two or more people in one crash, subject to the per-person limit |
| Property damage, one crash | $50,000 | Maximum for covered damage to other property in one crash, subject to the policy |
Primary source: Florida Statutes §324.023. Policy definitions, exclusions, and conditions still apply. These are liability ceilings, not a promise that every loss will be paid at the limit.
If the owner or operator chooses to establish and maintain that ability by furnishing a certificate of deposit pursuant to s. 324.031(2), the statute states such certificate of deposit must be at least $350,000.
§324.023 states that such higher limits must be carried for a minimum period of 3 years. It also describes an exemption when the owner or operator has not been convicted of driving under the influence or a felony traffic offense for a period of 3 years from the date of reinstatement of driving privileges for a violation of s. 316.193. Treat your individual FLHSMV record as controlling before deciding the requirement has ended.
Vehicle registration coverage
FLHSMV requires proof of PIP and PDL before registering a vehicle with at least four wheels. FLHSMV describes PIP as covering 80 percent of necessary and reasonable medical expenses up to $10,000 from a covered injury. PIP is not bodily-injury liability. An FR-44 requirement about BI/PD liability does not turn PIP into the 100/300/50 statute amounts.
Review Florida coverage →FR-44 liability limits
The policy used for the filing must reflect the 100/300/50 financial-responsibility amounts when that is what the notice and statute require. Ask for the declarations page so the limits can be checked directly.
Audit the declarations page →Other policy choices
Collision, comprehensive, deductibles, UM/UIM, and similar selections answer different questions. Hold Layer 02 constant when comparing companies; then decide optional coverages separately. FLHSMV also warns that failure to maintain required insurance may suspend driving privilege and license plate for up to three years and may involve a reinstatement fee of up to $500.
Decode the coverage lines →Continuity record
Treat the minimum period as a documented timeline
Keep every date and confirmation in one file. A lapse during a filing period can create new enforcement problems. Confirm continuity in writing when changing carriers.
- 01
Before binding
Verify the notice names FR-44; copy required limits and effective date.
- 02
At issue
Save the written proposal, payment receipt, declarations page, and filing instructions.
- 03
Before a switch
Confirm the replacement effective date and proof process before ending the prior policy.
- 04
Near release
Ask FLHSMV whether the state record shows the requirement has been satisfied before reducing or canceling coverage.
Compare written proposals
Hold required limits constant
An official statewide FR-44 average cannot tell one household what it will pay. There is no Florida government “FR-44 monthly premium” that replaces underwriting. Prefer equal-terms written proposals.
Match drivers, household facts, vehicles, garaging ZIP, use, mileage, effective date, 100/300/50 liability limits (or the exact notice amounts if different), optional coverages, deductibles, and payment schedule assumptions. For each proposal, record full policy-term premium, amount due to begin coverage, number of installments, installment charges, and any separately disclosed filing-related amount.
Vehicle status
Vehicle status and operator-policy questions
Florida’s financial-responsibility chapter recognizes owner’s and operator’s motor vehicle liability policies. Fla. Stat. §324.021 defines proof of financial responsibility and motor vehicle liability policy concepts used in Chapter 324. If you do not own a vehicle, tell the licensed insurer whether you regularly use a household, employer, rental, or borrowed vehicle.
Ask the insurer to confirm in writing that the proposed policy supports the FR-44 filing required by the notice. Do not rely only on a product label such as “non-owner.”
FR-44 vs SR-22 (quick contrast)
| Topic | FR-44 (this page) | SR-22 |
|---|---|---|
| Typical statutory focus | §324.023 higher DUI-related limits | General FR proof; FLHSMV SR-22 filing description |
| Liability amounts discussed here | $100,000 / $300,000 / $50,000 | §324.021 general definition $10,000 / $20,000 / $10,000 (individual notice may differ) |
| Minimum period in statute text | Minimum 3 years under §324.023 | Controlled by the case notice / FLHSMV record |
| Wrong-filing risk | Quoting 10/20/10 when notice names FR-44 | Quoting FR-44 limits when notice names SR-22 only |
Always copy the filing name on your notice. Deep educational comparison: SR-22 vs FR-44. Process page: /sr22-insurance-florida.
After limits are locked
Local garaging context
After the FR-44 limits and dates are confirmed, city pages help with garaging/input worksheets—not personal price forecasts: Miami · Tampa · Orlando · Jacksonville · Fort Lauderdale.
Primary references
Use Florida sources for the rule and record
The statute sets the higher limits and minimum period. FLHSMV maintains the licensing and insurance record. Florida DFS explains the policy coverage underneath the filing.
Request a Florida FR-44 proposal with the required limits
Provide the state notice, 100/300/50 limits, effective date, drivers, vehicle status, and ZIP. A listed licensed partner may respond if it handles the profile and area.
Free request · No guaranteed insurer, price, or response
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