Does Progressive Offer FR44 Insurance in Florida?

When it comes to high-risk auto insurance requirements in Florida, the term FR44 insurance often comes up. Drivers who have had their licenses suspended or revoked due to serious violations may be required to carry FR44 insurance as part of their reinstatement process. But does Progressive, one of the largest auto insurers in the United States, offer FR44 insurance in Florida? This article explores everything you need to know about FR44 insurance, its requirements in Florida, and whether Progressive can provide this specialized coverage.

Before diving into whether Progressive offers FR44 insurance, it’s crucial to understand what FR44 insurance actually is and why it’s important for certain Florida drivers.

What Is FR44 Insurance?

FR44 insurance is a type of high-risk auto insurance endorsement that provides proof of financial responsibility beyond the standard minimum required by the state. It is typically required for drivers who have had their licenses suspended or revoked due to serious traffic violations such as DUI (Driving Under the Influence), reckless driving, or multiple at-fault accidents.

Unlike the standard Florida auto insurance requirement of 10/20/10 (which means $10,000 for bodily injury per person, $20,000 for bodily injury per accident, and $10,000 for property damage), FR44 insurance mandates much higher coverage limits—usually at least 100/300/50. This means $100,000 bodily injury per person, $300,000 bodily injury per accident, and $50,000 property damage coverage.

Why Is FR44 Insurance Required?

The purpose of FR44 insurance is to ensure that high-risk drivers have sufficient financial responsibility to cover damages or injuries in case of an accident. It provides a stronger safety net for both the driver and others on the road. Florida courts or the Department of Highway Safety and Motor Vehicles (DHSMV) may require FR44 insurance as part of a driver’s reinstatement after suspension or revocation.

Without FR44 insurance, drivers may not be eligible to regain their driving privileges, making it a critical step for those who have faced serious driving offenses. Furthermore, the requirement for FR44 insurance serves as a deterrent against reckless driving behaviors, encouraging individuals to take their responsibilities on the road more seriously. By mandating higher coverage limits, the state aims to protect not only the drivers themselves but also innocent victims who may suffer from the consequences of a high-risk driver's actions.

It's also worth noting that obtaining FR44 insurance can be a complex process. Many insurance companies may view FR44 drivers as high-risk clients, which can lead to higher premiums or even difficulty in finding coverage. This can create a financial burden for those trying to comply with the law while also managing the repercussions of their previous driving infractions. As such, it’s advisable for individuals seeking FR44 insurance to shop around and compare quotes from various providers, ensuring they find the best possible rates and coverage options tailored to their specific needs.

Florida’s auto insurance laws are unique in several ways, especially concerning high-risk drivers and FR44 requirements.

Standard Florida Auto Insurance Requirements

Florida is a no-fault state, which means drivers are required to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) insurance. The minimum coverage limits are:

• PIP: $10,000
• PDL: $10,000

These minimums are lower than in many other states and are designed to cover basic medical expenses and property damage. However, these limits are often insufficient for high-risk drivers who have been ordered to carry FR44 insurance. In fact, many drivers find that they need to purchase additional coverage to adequately protect themselves and others on the road. This is particularly important given Florida's high rate of uninsured motorists, which can lead to significant financial exposure in the event of an accident.

What Triggers the Need for FR44 Insurance in Florida?

Drivers may be required to obtain FR44 insurance if they have been convicted of serious offenses such as:

• Driving under the influence (DUI) or driving while intoxicated (DWI)
• Driving with a suspended or revoked license
• Serious traffic violations resulting in license suspension
• Multiple at-fault accidents or moving violations

Once the Florida DHSMV or a court mandates FR44 insurance, the driver must maintain this coverage for a specified period, usually three years, to regain and keep their driving privileges. This requirement is not only a financial burden but can also impact a driver’s ability to find affordable insurance, as many companies view FR44 drivers as high-risk. Consequently, it is essential for affected individuals to shop around for the best rates and coverage options, as premiums can vary significantly between providers.

How FR44 Insurance Differs from SR22 Insurance

Many people confuse FR44 insurance with SR22 insurance, but they are not the same. SR22 is a certificate of financial responsibility filed by an insurance company to prove that a driver carries the minimum required insurance. It does not specify higher coverage limits. FR44, on the other hand, is both a certificate and a higher level of insurance coverage. This distinction is crucial for drivers who have faced serious legal repercussions, as FR44 coverage typically requires higher liability limits than the standard state minimums.

Florida is one of the few states that require FR44 insurance instead of SR22 for certain high-risk drivers, making it a more stringent requirement. This difference underscores the necessity for drivers to fully understand their insurance obligations, as failing to comply with FR44 requirements can lead to further legal complications and extended periods without the ability to drive legally. Additionally, the process of obtaining FR44 insurance can be daunting, as drivers may need to provide extensive documentation and proof of compliance to their insurance provider, further complicating an already stressful situation.

Now that the basics of FR44 insurance and Florida’s requirements are clear, the next question is whether Progressive provides this type of coverage.

Progressive’s Position on FR44 Insurance

Progressive is a major player in the auto insurance market and offers a wide range of policies, including coverage for high-risk drivers. However, when it comes to FR44 insurance specifically in Florida, Progressive does not typically offer FR44 endorsements.

Progressive’s standard policies meet or exceed Florida’s minimum insurance requirements, but they generally do not provide the elevated coverage limits or file the FR44 certificate required for reinstatement after serious violations.

Why Doesn’t Progressive Offer FR44 Insurance in Florida?

There are a few reasons why Progressive may not offer FR44 insurance in Florida:

• State-Specific Regulations: Florida’s insurance market is heavily regulated, and not all insurers choose to participate in the high-risk FR44 market due to the increased risk and regulatory compliance involved.
• Risk Management: FR44 insurance requires higher coverage limits and involves drivers with serious violations, which increases the insurer’s risk exposure. Some companies, including Progressive, may opt to limit their exposure by not offering FR44 endorsements in certain states.
• Market Focus: Progressive may focus on other types of coverage or risk profiles and leave the FR44 market to specialized insurers.

What Does This Mean for Florida Drivers Who Need FR44 Insurance?

If you live in Florida and have been ordered to carry FR44 insurance, you will likely need to look beyond Progressive for your coverage. While Progressive remains a competitive option for many drivers, those requiring FR44 must seek out insurers that specialize in high-risk policies and are licensed to file FR44 endorsements in Florida.

Failing to secure proper FR44 insurance can result in continued license suspension or revocation, so it’s critical to find an insurer that meets these requirements. Additionally, it’s important to understand that the process of obtaining FR44 insurance may involve higher premiums due to the nature of the coverage. Drivers should be prepared to shop around and compare quotes from different providers to find the best rates and terms that fit their needs.

Moreover, the implications of needing FR44 insurance extend beyond just the financial aspect. Drivers may also face challenges in finding a reliable insurance provider that understands their unique situation and can offer guidance throughout the reinstatement process. It’s advisable for individuals in this position to consult with insurance agents who specialize in high-risk coverage, as they can provide valuable insights and help navigate the complexities of Florida’s insurance laws. This proactive approach can not only ease the burden of compliance but also facilitate a smoother path toward regaining driving privileges.

Since Progressive does not typically offer FR44 insurance in Florida, it’s important to know which companies do. Several insurers specialize in high-risk auto insurance and can provide FR44 coverage. Understanding these options can help drivers who have faced license suspensions due to DUI or other infractions to regain their driving privileges while also ensuring they meet state requirements.

Specialized High-Risk Auto Insurers

Some insurance companies have established themselves as leaders in the high-risk market and offer FR44 insurance in Florida. These include:

• The General: Known for working with high-risk drivers, The General offers FR44 insurance and helps drivers meet reinstatement requirements. They also provide educational resources to help drivers understand their coverage and the steps needed to maintain a clean driving record moving forward.
• SafeAuto: SafeAuto specializes in affordable high-risk auto insurance and provides FR44 endorsements in Florida. Their policies are designed to offer flexibility, allowing drivers to adjust their coverage based on their individual needs and budget.
• Direct Auto Insurance: Direct Auto offers coverage for drivers with suspended licenses and can file FR44 certificates as needed. They also have a user-friendly online platform that allows customers to manage their policies easily and access support whenever necessary.
• Local or Regional Insurers: Some smaller insurers licensed in Florida may also offer FR44 insurance. It’s worth checking with local agents who understand the state’s requirements. These agents can provide personalized service and may offer unique discounts or coverage options that larger companies do not.

How to Choose the Right FR44 Insurance Provider

When selecting an insurer for FR44 coverage, consider the following factors:

• Experience with High-Risk Drivers: Choose a company with a proven track record of working with drivers who need FR44 insurance. Look for testimonials or reviews from other high-risk drivers to gauge their satisfaction with the insurer's services.
• Competitive Pricing: FR44 insurance can be expensive due to higher coverage limits. Shop around to find the best rates. Some insurers may offer discounts for bundling policies or for completing defensive driving courses.
• Customer Service and Claims Handling: Efficient claims processing and responsive customer service are crucial, especially for high-risk drivers. Research the insurer's reputation for handling claims promptly and fairly, as this can significantly impact your experience.
• State Licensing and Compliance: Ensure the insurer is licensed in Florida and authorized to file FR44 certificates. This is essential to avoid any legal issues that may arise from using an unlicensed provider.

Additionally, consider the insurer's financial stability and ratings from independent agencies like A.M. Best or Standard & Poor's. A strong financial rating can provide peace of mind that the company will be able to pay claims when needed. Furthermore, inquire about the availability of additional coverage options, such as roadside assistance or rental car reimbursement, which can enhance your overall policy and provide added security on the road.

For Florida drivers who need FR44 insurance, understanding the process can make reinstatement smoother.

Step 1: Verify Your Requirement for FR44 Insurance

Confirm with the Florida DHSMV or your court order that you are required to carry FR44 insurance. Sometimes, drivers confuse SR22 and FR44 requirements, so clarity is essential.

Step 2: Contact Insurers Offering FR44 Insurance

Reach out to insurance companies specializing in high-risk policies. Request quotes and confirm that they can provide the FR44 endorsement and file the necessary paperwork with Florida authorities.

Step 3: Purchase the Required Coverage

Buy the FR44 insurance policy with the mandated coverage limits—typically 100/300/50. Make sure the insurer files the FR44 certificate with the Florida DHSMV on your behalf.

Step 4: Maintain Continuous Coverage

Florida requires FR44 insurance to be maintained for a specific period, usually three years. Any lapse in coverage can result in license suspension again, so stay current on your payments and renewals.

Step 5: Keep Documentation Handy

Keep copies of your FR44 insurance certificate and proof of continuous coverage. You may need to provide these documents during license reinstatement or if requested by law enforcement.

Can I Get FR44 Insurance Online?

Many insurers offering FR44 insurance provide online quotes and policy management. However, because of the high-risk nature, some companies may require additional documentation or a phone consultation before issuing coverage.

Is FR44 Insurance More Expensive Than Regular Auto Insurance?

Yes, FR44 insurance is generally more expensive due to the higher coverage limits and the increased risk associated with drivers who require it. Rates can be two to three times higher than standard auto insurance premiums.

Can I Switch Back to Regular Insurance After the FR44 Period?

Once the required FR44 insurance period is over, and your driving privileges are fully reinstated, you can usually switch back to a standard auto insurance policy with lower coverage limits. However, maintaining a clean driving record is essential to qualify for better rates.

What Happens If I Cancel My FR44 Insurance Early?

Cancelling FR44 insurance before the mandated period can lead to immediate license suspension or revocation. It’s critical to maintain continuous coverage for the entire duration required by Florida law.

FR44 insurance is a vital requirement for many high-risk drivers in Florida who need to reinstate their driving privileges after serious violations. While Progressive is a trusted insurer for many drivers, it does not typically offer FR44 insurance in Florida due to the unique challenges and regulatory requirements associated with this coverage.                             



Florida drivers needing FR44 insurance should seek specialized high-risk insurers who are licensed to provide the necessary coverage and file the FR44 certificate with the state. Understanding the process, maintaining continuous coverage, and choosing the right insurer can help drivers navigate this challenging period and get back on the road legally and safely.

For those facing FR44 requirements, it’s advisable to start the search early, compare quotes, and work closely with an insurance agent familiar with Florida’s high-risk insurance market to ensure compliance and peace of mind.