Florida FR44 Insurance – How to File, What to Do, and How to Get it Cheap

If you’ve been convicted of a DUI in Florida, you’ll be required to obtain two insurance-related certificates in order to regain your driving privileges. These are the national SR22 form and the lesser-known FR44 form. While the procedure for obtaining the former has been documented exhaustively in print and online, there’s far less information available about the latter. Since the FR44 is a Florida-specific document that has few analogs elsewhere in the United States, it can be difficult to find reliable advice about procuring one.

First, it’s crucial to recognize the differences between the Florida SR22 and the Florida FR44. As a resident of a state that requires drivers to file an FR44 form, such as Florida and Virginia, you’ll most likely be required to pay upfront for your insurance coverage. In fact, Florida law prohibits insurers from charging monthly premiums on FR44 policies, which is more of a reason the insurance company will not “bend” on their billing options . This restriction is designed to protect the financial health of the insurers that operate the state and penalize DUI-convicted drivers in equal measure.

Unfortunately, the high cost of FR-44 policies means that this requirement will force you to make a substantial outlay in most cases, before getting back behind the wheel of your car. To make matters worse, Florida is notorious for its high insurance rates. After your DUI, it’s likely that your already-high auto insurance premiums will double overnight. Even if you have an impeccable driving record, you might be unable to find an FR44 insurance policy that costs less than $2,500 per year.   Additionally, you may have to pay for your policy in six-month increments.  If you have a new or financed vehicle, this is especially likely. Given the constraints of the “paid-in-full” rule issued by Florida’s insurance regulators, many insurance companies prefer to shorten the effective periods of their high-risk policies. Frequent renewals permit these companies to account for any changes in a driver’s accident history, criminal status or credit profile. What’s more, this arrangement enables DUI-convicted drivers to make smaller insurance outlays and put more of their hard-earned funds toward other DUI-related expenses.  Select Insurance Group can help with minimizing these daunting prices, as we shop and compare multiple insurance companies that specifically work with high-risk customers.  Many times we can find an adequate rate that is 1/4 of the cost of most of the “shopping” you will see out there and even offer insurance financing on some occasions.

Call us at 855-678-6977 or request a FREE QUOTE online from one of our licensed insurance specialists!