Note: Many people accidentally search for “SR-44” in Florida, but the correct term is FR-44. Florida uses the FR-44 for DUI-related insurance filings and the SR-22 for other reinstatements.
For Drivers in Bradenton, Lakewood Ranch, Parrish, Palmetto & All of Manatee County
If you recently moved to Florida, or you’re dealing with the Tax Collector (DMV) after a suspension, you might run into something you’ve never seen before: the Florida FR-44.
Most states only use the SR-22, so when people relocate from Indiana (like me), Georgia, Ohio, or elsewhere, they immediately ask:
“What’s an FR-44 and why is Florida requiring it?”
This guide breaks down exactly what an FR-44 is, who needs one, how it compares to an SR-22, and how drivers in Manatee County can get affordable high-risk insurance without the headaches.
Table of Contents
What Is an FR-44? A Florida Specialty
The FR-44 is a financial responsibility form required by the State of Florida only after certain alcohol- or drug-related convictions, primarily:
- DUI (Driving Under the Influence)
- DUI with bodily injury
- DUI after refusal to submit to testing
Florida is one of the only states that uses this form. If you’re from somewhere like Indiana, Tennessee, or Illinois, you likely never heard of it before because FR-44 filings don’t exist there. The first time I heard it, I though the person had accidentally multiplied the number by two.
What is the difference between the SR-22 and FR-44?
The biggest difference between FR-44 and SR-22 is the coverage requirement. The FR-44 requires much higher liability limits than the SR-22.
Florida requires:
FR-44 Minimum Liability Limits
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
This is far higher than the normal Florida minimum (10/20/10).
The reason?
Florida requires elevated limits to reinstate your license after a DUI. The state wants proof you can cover the financial risk of a serious accident.
How Long Do You Need FR-44 Insurance in Florida?
You must maintain your FR-44 filing for three (3) consecutive years.
If your policy cancels at any point, the insurance company must notify the state and your license will be suspended again.
What’s the Difference Between FR-44 and SR-22?
Here’s the simple comparison:
| Filing | Used For | Insurance Required | Cost |
|---|---|---|---|
| SR-22 | No-insurance accidents, suspensions, points violations | Florida minimum 10/20/10 | Lower |
| FR-44 | DUI offenses | 100/300/50 high-liability | Higher |
Most out-of-state drivers are familiar with SR-22 only. Florida uses both. Adding more liability is really pricey in Florida, especially if you have a DUI or bad driving record. Florida is the only state that doesn’t require bodily injury liability, so having to carry high limits with a dinged up driving record can be expensive.
Why People Get Confused When Moving to Florida
A lot of new residents from Indiana, Ohio, Michigan, Georgia, and the Carolinas get hit with this surprise:
“I’ve had an SR-22 before, but what’s an FR-44?”
Their confusion makes sense:
- Indiana only uses SR-22
- Georgia only uses SR-22
- Michigan doesn’t use SR-22 or FR-44 at all
- Florida uses both!
So Florida creates an extra layer of complexity that doesn’t exist in most states.
How Much Does FR-44 Insurance Cost in Manatee County?
Rates depend on your:
- Driving history
- Age
- Vehicle
- Credit tier
- Insurance company
But because of the higher liability limits, FR-44 policies typically cost more than standard Florida auto insurance.
Drivers in the Bradenton/Lakewood Ranch/Parrish area can expect:
- $220–$350 per month for liability-only FR-44
- $300–$500+ per month for full coverage FR-44
These are just ranges and may not apply to your particular insurance rate.
Can You Get FR-44 Insurance Without a Car?
Yes.
You can get a non-owner FR-44 policy, which is cheaper and still meets state requirements if:
- You don’t own a car
- You borrow or rent vehicles
- You only need it for license reinstatement
This is common after a DUI.
Which Companies Offer FR-44 Insurance in Manatee County?
Not all carriers do.
But independent agents (like us) can typically quote FR-44 through several well-known carriers like Progressive Dairyland, and Bristol West.
This is where local independent agents beat the big national brands! More carriers = more options = lower rates.
How to Get FR-44 Insurance in Bradenton, Parrish, Lakewood Ranch & Palmetto
To get started, you generally need:
- Driver’s license number
- Case number (if applicable)
- Vehicle info (if you have one)
The agent then:
- Quotes the policy
- Binds coverage
- Files the FR-44 electronically with the state
- Provides proof for your DMV reinstatement
Most filings are processed within minutes.
Local Tip: Manatee County DMV Rules for FR-44
Florida DHSMV service centers in:
- Bradenton (53rd Ave)
- Lakewood Ranch
- Manatee Ave West
All accept FR-44 reinstatement paperwork once your carrier submits the form.
In many cases, you can reinstate your license the same day you purchase the policy.
If You Need SR-22 or FR-44 Insurance in Manatee County, We Can Help
Carter Family Insurance specializes in helping Florida drivers with:
- SR-22 filings
- FR-44 filings
- DUI insurance
- Non-owner policies
- High-risk auto coverage
- License reinstatement
Whether you’re in Bradenton, Parrish, Lakewood Ranch, Palmetto, Myakka City, Ellenton, or anywhere on the Suncoast We can shop multiple carriers to find the most affordable option.
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