Florida · After a DUI

Car Insurance After a DUI in Florida: What FR-44 Actually Costs

Florida is one of only two states that doesn't use SR-22 for a DUI. It uses something stricter — FR-44 — which requires 100/300/50 liability coverage, when a standard Florida policy doesn't require bodily injury liability at all.

Iker, founder of Covered Route · Published · Requirements verified · How we research
~$150-$333/moTypical Florida FR-44 rate
100/300/50FR-44 liability limits (standard policy: none required)
3 yearsRequired FR-44 filing period

Florida's DUI filing isn't SR-22 — it's FR-44

Most states use an SR-22 filing after a DUI. Florida and Virginia are the exceptions: Florida requires FR-44 instead, and it's meaningfully stricter. Where Florida's standard minimum coverage is just $10,000 PIP and $10,000 property damage (see our Florida teen driver guide, which covers the state minimums), FR-44 requires:

That's a big jump: a standard Florida policy doesn't require bodily injury liability at all, and in a typical SR-22 state the filing just proves you still carry the ordinary state minimum. The limits are set by Florida statute 324.023, which also allows a $350,000 combined single limit instead. Florida requires you to keep the FR-44 for 3 years from the date your driving privilege is reinstated.

What a DUI does to your Florida premium

FR-44, low end ~$150/mo FR-44, high end ~$333/mo

Monthly figures derived from the annual FR-44 range cited below (~$1,800-$4,000/yr ÷ 12).

ScenarioTypical figure
FR-44 policy, annual cost~$1,800 – $4,000/yr
Premium increase vs. standard coverage~$300 – $800+/yr
Total added cost over the filing period~$1,000 – $3,000+
Required filing duration3 years from reinstatement

Figures compiled from MoneyGeek, Bridgeway Insurance, and SecondChanceInfo rate surveys of Florida FR-44 drivers (see sources).

The higher limits are the real cost driver. Because FR-44 requires $100,000/$300,000 of bodily injury coverage where a standard Florida policy requires none, the premium increase in Florida comes as much from the mandatory coverage jump as from the insurer's risk surcharge — a structurally different situation than states where the DUI filing just re-proves the existing minimum.

How the surcharge eases over the FR-44 period

The DUI surcharge doesn't stay flat for the full 3-year filing period — it's worst right when the conviction is fresh and eases in stages as your record ages, assuming no new violations:

Point in timeWhat typically happens
Year 1Highest rates, fewest carriers willing to quote at all
Years 2-3More carriers compete for the business; annual decreases of roughly 10%-25%
Right after the FR-44 requirement endsSome insurers cut the rate a further 10%-15% at that renewal, and some drivers see drops of 30%-50% in the year immediately following release — plus the coverage limits themselves can drop back to Florida's standard minimum, removing the extra cost of carrying 100/300/50 liability limits
Around the 5-year markMost insurers treat the driver close to normally again, assuming a clean record since the DUI

This is a general industry pattern, not Florida-specific data — individual insurers set their own schedules, so ask directly when your rate is due to step down rather than assuming a fixed timeline.

Which insurers tend to be cheapest after a DUI

Published rate surveys for a full-coverage policy after one DUI consistently rank a handful of carriers well below the national average — though fewer insurers write FR-44 policies than standard SR-22 policies, so confirm availability before assuming a national ranking applies in Florida:

InsurerNational average rateVs. average
State Farm~$192/mo-43%
Progressive~$268/moOften cited as cheapest among carriers that specialize in high-risk policies
Travelers~$236/mo-30%
National General~$249/mo-26%; actively accepts DUI applicants
GEICO~$334/moBaseline in this comparison
USAA~$150/moCheapest of all, but restricted to military members, veterans, and their families

Figures reflect a 40-year-old driver with one DUI, full coverage (100/300/100 limits), $500 deductible — a standard national comparison profile, not FR-44's elevated limits specifically. Florida's FR-44 requirement (100/300/50 liability) means your actual quote will run higher than this generic national figure even at the cheapest carrier.

What affects the size of the increase

Insurer availability

Not every insurer that writes standard Florida policies also writes FR-44 policies; drivers often need to shop specialty high-risk insurers specifically.

Prior record and offense severity

A first DUI with no aggravating factors (no accident, no injury) generally prices lower than a DUI involving property damage or injury to another person.

Whether you already carry higher liability limits

A driver who was already carrying bodily injury liability above the state minimum before the DUI has a smaller relative jump to FR-44's required limits than a driver who was previously at the bare PIP-only minimum.

Ways to lower the cost

  1. Shop insurers that specifically write FR-44 policies — pricing varies more here than for standard coverage, since not every carrier participates.
  2. Keep coverage continuous for the full 3-year filing period; a lapse can restart the requirement.
  3. Ask about a defensive driving or DUI program discount where available.
  4. Re-shop as you approach the 3-year mark, since rates typically ease once the FR-44 requirement itself ends and you return to standard filing.

Need the filing rules in detail — every trigger, how long it lasts, what happens if it lapses? See Florida FR-44 and SR-22 requirements.

Under 21? The alcohol rules are stricter — see DUI under 21 in Florida.

How do published estimates compare? For full coverage after a DUI in Florida, Insurify, MoneyGeek and Insurance.com range from $306 to $362 a month — see the three sources side by side.

Add it all up — fines, fees and years of higher premiums — with our DUI cost calculator for Florida.

Frequently asked questions

Does Florida use SR-22 for a DUI?

No — Florida requires FR-44, with liability limits of 100/300/50. A standard Florida policy only requires $10,000 PIP and $10,000 property damage, with no bodily injury liability.

How long do I need FR-44 insurance in Florida after a DUI?

3 years from the date your driving privilege is reinstated.

How much does FR-44 insurance cost in Florida?

Roughly $1,800-$4,000 per year based on published rate surveys, typically $300-$800+ above standard coverage for the same driver.

See our related guides for Florida: teen drivers and senior drivers. Florida and Virginia are the only two FR-44 states — see how they compare in our Virginia FR-44 guide or the SR-22 requirements by state reference.

More Florida guides

Sources

  1. Florida HSMV, "DUI Frequently Asked Questions" (FR-44 limits and duration) — accessed September 2026
  2. Florida HSMV, "Florida Insurance Requirements" — accessed September 2026
  3. MoneyGeek, "What Is an FR-44 Form? (2026 Guide)" — accessed September 2026
  4. Insurify, "FR-44 Insurance in Florida: Cost and Requirements" — accessed September 2026
  5. Bridgeway Insurance, "SR22 Insurance Florida: Cost, Requirements & FR44 Guide" — accessed September 2026
  6. SecondChanceInfo, "FR-44 Insurance in Florida (2026)" — accessed September 2026
  7. Ocho, "SR22 Insurance Cost: What You'll Actually Pay in 2026" — accessed September 2026
  8. InsureMojo, "Car Insurance After a DUI: Costs and Best Companies 2026" — accessed September 2026

See our methodology and disclaimer — these are estimates, not a quote, and this page is not legal advice.