FR-44 Insurance Made Simple with Barefoot Insurance Brokers
If you’ve been convicted of DUI in Florida and need an FR-44 filing to reinstate your driver license, Barefoot Insurance Brokers can help—quickly and affordably. We shop a broad network of Florida carriers that file FR-44s so you get a competitive price without the hassle. Based in Broward & Brevard, we serve drivers in Coral Springs, Parkland, Coconut Creek, and Margate every day.
What is an FR-44?
An FR-44 is a certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove you carry higher-than-standard liability limits after certain alcohol-related convictions (like DUI). In Florida, FR-44 policies must carry at least $100,000 / $300,000 for bodily injury liability and $50,000 for property damage (or a $350,000 combined single limit) and must be maintained for 3 years after license reinstatement.
SR-22 vs. FR-44: Both are proof-of-insurance filings, but an FR-44 requires higher liability limits than an SR-22 because it’s tied to DUI convictions. In some states, an alcohol related conviction is handled through an SR22 but Florida requires the heightened FR44 insurance requirement.
Who needs an FR44 Insurance Filing in Coral Springs, Parkland, Coconut Creek & Margate?
If a Broward County court record shows a DUI conviction and your license is suspended, you’ll need an FR-44 on an active Florida auto policy (or a qualifying non-owner policy if you don’t own a car) before FLHSMV will reinstate your driving privilege. This needs to be maintained for 3 continuous years to satisfy the requirement.
What affects your FR-44 price?
- Driving record & violation history
- Vehicle type and garaging ZIP (e.g., 33065, 33071, 33076, 33063, 33066, 33068)
- Coverage selections & deductibles
- Prior insurance and any lapses
Because rates vary widely between companies, shopping multiple FR-44 carriers is the #1 way to save. That’s where we come in. We work with Bristol West, Kemper, Progressive, National General, GEICO and Dairyland — all of the most competitive insurance providers of the FR44 filing in Florida.
Why Barefoot Insurance Brokers
- We shop the market: We compare rates across many Florida carriers that file FR-44s to target the most competitive price for your situation.
- Fast filing: We coordinate the FR-44 electronic filing to help you move from quote → bind → filing with minimal downtime. (Processing times vary by carrier.)
- Owner & non-owner FR-44 options: Whether you own a vehicle or just need to satisfy the requirement to drive, we’ll guide you to the right policy type.
- Local guidance: Clear, judgment-free help from a Florida independent agency that knows Broward and the surrounding areas.
What you’ll need to get started
- Driver license number and DUI details (conviction/reinstatement dates)
- Vehicle information (if you own one)
- Address in Coral Springs, Parkland, Coconut Creek, Margate or elsewhere in FL
- Prior insurance info (if any)
FAQs
How long do I need to keep the FR-44?
Three years from the date you reinstate your privilege. If you cancel or lapse during that period, your license can be suspended again.
What limits are required?
At least 100/300/50 or a $350,000 combined single limit, per FLHSMV. Choosing higher limits can better protect your assets.
Is a non-owner FR-44 available?
Yes—if you don’t own a car, a non-owner liability policy can often satisfy the filing requirement. (Availability/eligibility vary by carrier; we’ll advise case-by-case.)
Ready to file your FR-44 in Broward?
Call Barefoot Insurance Brokers at 954-368-0060 or start at barefootins.com. We’ll compare the market for you and file the FR-44 fast—so you can focus on moving forward.
Sources: Key FR-44 requirements from FLHSMV (liability limits and 3-year maintenance) flhsmv.gov