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Florida FR44 Insurance

If you were convicted of driving under the influence (DUI) in Florida there are increased requirements for Florida FR-44 Insurance. You will be required to carry liability limits of:

  • $100K per person
  • $300k per accident
  • $50k property damage

The Florida Uniform Financial Responsibility Certificate FR-44 is required for three years unless a judge determines differently. There are no driving restrictions associated with the FR44 form but the court may limit your driving based on the offense. The addition of the Florida FR44 is only $15 but the increase in your auto insurance will be due to the DUI you received.

Do not let your auto policy lapse   because the insurance company will notify the state and you may be suspended again.

Florida Liability Insurance Requirements

The state of Florida requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

  • $10k Per Person Bodily Injury
  • $20k Per Accident Bodily Injury
  • $10k Property Damage

These limits are also required for filing an SR-22. Ask your insurance agent what they recommend based on your financial position. If you need to file a Florida FR44 you will be required to have higher liability   limits.

Non-Owner vs Owner Policies

A Florida FR44 Non-Owner policy is also called a Named-Operator Liability Policy. This insures you, the driver, for any vehicle you may be operating; which you don’t own. They function as secondary coverage with the 100/300/50 requirements as mandated by the State of Florida. In order to make a claim on a Non-Owner policy, you must have exhausted the coverage from the primary insurance on that vehicle.

A Florida FR44 Owner policy will cover everything a Non-Owner policy covers, but it adds coverage for your vehicle as well. You can choose to add Full Coverage to your policy or you can keep the policy with Liability Only.

SR22 Insurance

An SR-22 is a certificate of insurance that proves you carry car insurance. Some people refer to it as SR 22 car insurance, or a certificate of financial responsibility (CFR) filing. An SR22 is simply a document that states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time.

Even if you DO NOT own a car you may still be required to have an. Non-Owner SR22

If you prefer to speak to one of our Select Insurance Agents to get a free quote and buy an FR-44 or SR22 insurance policy please Call us at 1-855-GET-SELECT

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Get a free online personalized quote and learn more about coverages, money-saving discounts, and more.

Contact our Licensed Insurance Agents

Our licensed FR-44 Insurance Specialist are here to answer all your questions and take your application over the phone.

Call us at 1-855-GET-SELECT

What is the difference between SR22 and FR44?

FR44 Insurance in Florida is a financial responsibility insurance certificate which is a requirement if a person gets convicted for driving under the influence of alcohol (DUI). After sentencing, the driver must file an FR44 which provides the minimum amount of insurance coverage.

The States of Florida and Virginia requires the FR44 Insurance. This makes people think twice before driving under the influence. Aside from the suspension of the driver’s license, drivers guilty of DUI or DWI automatically increases insurance rates over the next 5 years. The FR44 is aside from the usual penalties that you must pay for like fines, license suspension, and jail time.

As of June 2018, the only 2 states that use FR44s are Virginia and Florida. An FR44 is sometimes called “DUI insurance,”  or FR44 Insurance however, it’s not a type of insurance it is actually a certificate verifying insurance coverage that meets the state’s applicable requirements for financial responsibility.  An FR44 is required when applying to reinstate your driver’s license following a DWI or DUI.

Even if you DO NOT own a car you are required to get FR44 Insurance however it is considered NON-Owners FR44 Insurance.

An SR-22 is a certificate of insurance that proves you carry car insurance. Some people refer to it as SR 22 car insurance, or a certificate of financial responsibility (CFR) filing. An SR22 is simply a document that states you’re meeting your state’s car insurance coverage requirements for driving over a specified amount of time.

An SR 22 means you’re meeting your state’s car insurance minimum requirements for driving and is NOT considered car insurance itself. Select Insurance Group, as your policy provider, inform the state that we’re covering your driving for certain car insurance-related circumstances.

There are various types of SR22 insurance:

  • Operator: An Operator’s Certificate is designed for drivers who borrow or rent a car, but don’t own a car. This is sometimes used with a non-owner car insurance policy
  • Owner: An Owner’s Form is for those who own and drive their own car.
  • Operator/Owner: An Operator/Owner Form is a combination form that applies to those who own their own car, but also borrow or rent one to drive occasionally.
  • Non-Owner: An Non-owner car insurance protects you in the event you’re found to be at fault in an accident while driving a vehicle not owned by you.

Suspended License and Reinstatement

Each case is different and the type of suspension can determine what is required to get your license reinstated. Below is a list of state links to the appropriate action needed:

Failure to pay child support

Habitual Traffic Offender

Violation resulting in death or personal injury

Unpaid tickets

Incapable of operating a motor vehicle safely

Driving Under the Influence (DUI) in Florida

State of Florida Blood Alcohol Concentration limits:

  • All drivers .08 or above
  • Commercial drivers = .04 or above
  • Under age 21 = .02 or above

Implied Consent Law

When you get a drivers license in Florida you consent to a chemical test when you are suspected of driving under the influence of drugs and/or alcohol. If you refuse this test your license will be suspended for one year. If you are involved in an accident with serious injury or death the officer may force you to take the chemical test.

Need to Install an Ignition Interlock Device (IID)?

The ignition interlock device program is designed for those drivers who have been convicted of driving under the influence of alcohol. It is the sole responsibility of the driver to get the IID installed from a certified provider on each vehicle they operate.

How much does the IID cost?

Standard installation is  $70 plus a refundable $100 deposit due at installation. Another $67.50 is for monthly monitoring and calibration. For more information contact a certified IID provider.

Interlock Systems of Florida                 (866) 837-8646

Interlock Group of Florida                 (800) 728-7396

About US

Select Insurance Group is a leading provider of high-risk, personal auto insurance, based out of St. Louis, Missouri. Stephen T. Ludwig, our founder and CEO, has over a decade of experience in the insurance industry and believed there should be a specialty agency that was able to provide affordable insurance options for every customer, no matter how bad their situation might be.

Select Insurance Group is unique because we have:

  • Multiple offices & agents nationwide
  • Access to multiple top-rated insurance carriers in 47 states
  • Licenses to serve you in 47 States (Excl – DC, AK, & HI)
  • Knowledge of the justice system to guide you around the pot-holes in the road
  • Experience in obtaining hardship and restricted licenses for our clients (many times in a few hours of policy issue)
  • Direct access to state-based systems for electronic filings (E-File) and policy certificate uploads
  • Affiliation with FAST license suspension dismissal, State Diversion and relief programs
  • Ignition interlock discounted rates through our exclusive partnerships