FR-44 Insurance in Tampa, FL
Drivers in Florida who have been convicted of a DUI are typically required by the state to carry an FR-44 certificate of financial responsibility. This filing confirms that you carry auto liability coverage that meets the state’s elevated minimums, which are significantly higher than standard Florida requirements. If you need FR-44 insurance, our team can help you navigate the process and get back on the road legally.
What FR-44 Insurance Covers
An FR-44 is not a type of insurance, but rather a certificate your insurance carrier files with the Florida Department of Highway Safety and Motor Vehicles on your behalf. Your underlying auto insurance policy must carry the liability limits the state mandates for FR-44 drivers, which are higher than the standard state-required minimums for Florida motorists.
How Long You Need It
Florida law requires most drivers who have been ordered to file an FR-44 to maintain it for three years after their licenses have been reinstated. Coverage must remain continuous during that period. A lapse in coverage, even for a single day, can result in your license being suspended, your requirement period restarting and additional penalties.
What Affects Your Premium
Being ordered to file an FR-44 likely means you’ll be paying more for auto insurance in the years to come, as you’ll typically be considered a greater risk to carriers. Additionally, these factors may influence what you pay for FR-44-compliant coverage:
- Driving history and the nature of the conviction
- Your vehicle type, age and how it is used
- Your prior insurance history and any coverage gaps
- The liability limits you carry beyond the state-required minimums
We’re Here to Help
FR-44 requirements are manageable with the right support. Contact Xpress 2GO Insurance Agency today to get your FR-44 filing started and keep your driving record moving in the right direction.