Just Got a DUI in Florida? Here’s How to Get Your FR-44 and Reinstate Your License

If you’re standing at the DMV right now after a DUI, you’ve probably already shelled out money for court costs, legal fees, and other surprise expenses. And just when you think you’re almost done, they hit you with something called “FR-44 insurance”—a high-risk policy with even higher coverage requirements. It’s frustrating, and yeah, it’s expensive. But if you need to get your license back today, we’ve got your back. Here’s what to know—and how to get your FR-44 fast.

What is an FR-44—and why do you need it now?

After a DUI conviction in Florida, the state requires you to carry a special kind of auto insurance called an FR-44. It’s not a type of policy—it’s a filing that your insurance company sends directly to the state to prove you’re carrying much higher liability limits than usual. Without it, the DMV won’t reinstate your driver’s license, period. The FR-44 is Florida’s way of making sure high-risk drivers have extra financial protection in case of another incident on the road.

Why FR-44 insurance is expensive—and how to avoid overpaying

Here’s the tough part: FR-44 insurance usually comes with sticker shock. That’s because Florida now requires you to carry liability limits of 100/300/50—$100,000 for one person’s injuries, $300,000 per accident, and $50,000 for property damage. That’s a huge leap. Most Florida drivers only carry the bare minimum: basic PIP coverage (which doesn’t even cover injuries to others), and if they carry bodily injury at all, it’s usually the lowest possible limit—10/20. So when the state forces you to jump all the way up to 100/300, the premium goes up fast.

But here’s the thing: prices vary a lot depending on where you shop. Some people overpay by hundreds just because they panic and grab the first quote they see. Don’t make that mistake.

Here’s how to keep your costs under control:

• Skip the big-name websites that don’t specialize in FR-44s

• Look for local Florida agents who know the filing process

• Make sure the policy meets the exact state requirements

• Ask about discounts for paying in full—it can make a big difference

• If paying upfront isn’t an option, we work with companies that can finance the policy

How to get your FR-44 fast—before your DMV window closes

If you’re trying to reinstate your license today, time is everything. The DMV won’t process your paperwork until your FR-44 is officially filed with the state. That’s why it’s important to work with an insurance agency that knows how to handle this quickly. At Estrella Insurance, we help Florida drivers get FR-44 coverage fast—sometimes within minutes. We’ll make sure the policy meets all state requirements, file the form electronically with the DMV, and send you proof right away. No waiting, no guessing. Just a clear path to getting back on the road.

Get your FR-44 today and take the next step forward

Getting a DUI is rough—but moving forward starts with the right support. Estrella Insurance has helped thousands of Florida drivers through this exact situation. We know the FR-44 process inside and out, and we’re here to make it as quick and affordable as possible. Whether you're at the DMV right now or need help later today, we’ve got you. Call us or get a free quote online—we’ll get your FR-44 filed fast so you can move on with your life.

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