Does State Farm Offer FR44 Insurance in Florida?

No. As of April 19, 2025, State Farm does not offer FR44 insurance in Florida.

If you’ve been told you need FR44 coverage, you will need to go with another insurance company that supports FR44 filings with the Florida Department of Highway Safety and Motor Vehicles (DHSMV).

FR44 insurance is required for drivers who have been convicted of certain offenses, such as DUI. It includes higher liability limits and must be filed directly with the state. Below, we explain exactly what FR44 is, why you might need it, and what to do next if State Farm isn’t an option.

FR44 insurance is a form that proves a driver carries higher-than-normal liability coverage. The state of Florida requires this form for drivers with specific convictions on their record, most commonly a DUI.

Here are the minimum coverage limits required with FR44:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $50,000 property damage

The insurance company files the FR44 form directly with the DHSMV. If you cancel the policy or let it lapse, your license can be suspended again.

You need FR44 insurance if:

• You were convicted of a DUI in Florida
• You were found guilty of reckless driving with serious consequences
• Your license was suspended for driving without insurance
• A court required FR44 as a condition to reinstate your driving privileges

This filing is not optional. If you fall into one of these categories, Florida law requires you to maintain the FR44 for three years. You must keep it active the entire time. Any lapse could restart the clock and lead to more legal problems.

Florida uses FR44 as a way to ensure high-risk drivers have strong insurance coverage. After a DUI or serious driving offense, the state wants to see that you are financially responsible if another accident happens. Regular insurance coverage isn’t enough.



This is why the state sets the minimum coverage so high. A driver with an FR44 must be able to cover serious injury or damage costs. The filing also allows the state to monitor your insurance. If your policy ends early, the state is notified right away.

Many people confuse FR44 with SR22. Both are proof of financial responsibility, but FR44 has much higher coverage requirements. SR22 is for less severe offenses like driving without insurance. FR44 is for more serious offenses, like a DUI.

You cannot switch between them. If the state requires FR44, you must get a policy that meets those exact limits and file the correct form.

State Farm does not currently file FR44 forms in Florida. That means if you call a State Farm agent and ask for FR44, they will likely refer you elsewhere. While they may offer standard or even high-limit liability insurance, they won’t file the FR44 with the DHSMV.



This is not uncommon. Many large insurance companies avoid FR44 because it involves high risk and strict rules. The filing process adds paperwork, monitoring, and increased support needs that some carriers choose not to manage.

If you’re already insured with State Farm but now need FR44, you will need to switch providers. State Farm cannot modify your policy to meet the FR44 requirement or file the necessary paperwork with the state.

To stay compliant and avoid a license suspension:

1. Start shopping for FR44 insurance today
2. Choose a carrier that can file the form on your behalf
3. Cancel your State Farm policy only after your new one is active and the FR44 is filed
   

Several insurers do support FR44 filings in Florida. These companies are familiar with the process and typically have systems in place to help drivers with serious offenses.

Here are some options:

• Geico
• Progressive
• Dairyland
• Direct Auto
• The General
• Allstate (varies by location)

Each company has different rates and procedures. Some require payment in full. Others allow monthly installments. Be sure to confirm:

• They file FR44s in Florida
• The policy meets or exceeds 100/300/50 liability limits
• They can issue the filing immediately or within 24 hours
  

Follow these steps if you’re required to get FR44 coverage:

1. Gather Your Information

Before you request a quote, make sure you have:

• Your driver’s license number
• The reason for your FR44 requirement (e.g., DUI)
• Any recent tickets or violations
• Proof of prior insurance, if available

2. Request FR44-Specific Quotes

Let the insurer know up front that you need FR44 filing in Florida. This helps them give you an accurate quote. Some online quote forms don’t ask, so it’s better to call and speak to an agent.

3. Review Policy Terms

Check for:

• Minimum liability limits
• Payment options (some require full payment)
• How and when they file the FR44
• Cancellation policy
• Service availability (phone, email, online portal)

4. Pay and Activate Coverage

Once you choose a provider, activate your policy. Most companies will file the FR44 automatically. Ask for a confirmation of filing if possible.

5. Reinstatement

After your FR44 is filed, you may need to pay a reinstatement fee to the DHSMV before you can legally drive again.

FR44 insurance is more expensive than standard coverage. On average, expect to pay $1,500 to $3,000 per year, depending on:

• Driving history
• Age and gender
• Location
• Vehicle type
• Coverage limits
• Length of time since conviction

Some providers offer discounts after 12 months with no issues. Safe driving and on-time payments can help lower your rates over time.

If your FR44 policy is canceled or expires before the required three-year period:

• Your license will be suspended again
• You may be charged another reinstatement fee
• Your FR44 timeline may reset, extending the requirement
• Future insurance costs will increase even more

Set up auto-pay or payment reminders. Monitor your renewal dates carefully. Don’t rely on verbal confirmation—get written proof of coverage and filings.

Even though FR44 coverage is expensive, you can take steps to reduce your costs over time:

• Compare multiple quotes (at least 3–5)
• Ask about defensive driving courses
• Bundle with renters or homeowners insurance
• Choose a car with lower premiums
• Avoid tickets, claims, or accidents during your FR44 period
• Avoid policy lapses at all costs
  

Most drivers must keep FR44 coverage for three years from the date of reinstatement. During this time, you must:

• Maintain continuous coverage
• Meet all minimum liability limits
• Keep your record clean
• Notify the DHSMV if your insurance changes

At the end of the required period, you can switch to a standard policy if you have no new violations.

No. There is no way to remove FR44 early unless the court or state issues an override. Even if you sell your car or move out of state, the FR44 filing must stay in place unless cleared by Florida.



If you move, talk to an insurance provider licensed in both states. You may still need to keep Florida FR44 coverage active for the full term.

If you're trying to get FR44 insurance after a DUI or other offense, State Farm is not an option. As of April 19, 2025, State Farm does not provide FR44 filings in Florida.



You’ll need to go with another carrier that supports these filings. Many do, and some can issue same-day coverage.

FR44 insurance is required in Florida for drivers with DUI or major offenses

• You must carry higher liability limits (100/300/50)
• State Farm does not file FR44s in Florida
• Switch to a carrier that supports FR44 filings
• Keep your coverage active for three full years
• A lapse can result in suspension and higher costs

If you’ve been told you need FR44 coverage, start getting quotes today. Focus on clarity, compliance, and cost. Getting the right coverage now can protect your license, save money long-term, and help you get back on track.