Since the state of Florida requires drivers with DUI offenses to carry higher liability limits, obtaining FR44 insurance can be costly. However, there are options for making FR44 insurance payments in Florida more manageable through monthly payment plans. This article will provide information on FR44 insurance, monthly payment plans, and frequently asked questions about FR44 insurance in Florida.
What is FR44 Insurance?
FR44 insurance is a type of car insurance that is required in the state of Florida for drivers who have been convicted of a DUI. The FR44 insurance policy is a certificate that verifies that the driver has met the increased liability requirements set by the state of Florida. These liability requirements are higher than the minimum coverage required for standard car insurance policies in Florida.
Florida requires that drivers with a DUI have at least $100,000 of bodily injury liability per person, $300,000 of bodily injury liability per accident, and $50,000 of property damage liability. These limits are often referred to as 100/300/50 coverage. While these limits are higher than the minimum required for standard car insurance policies, they are necessary for drivers with DUI convictions.
How is FR44 Insurance Different from SR22 Insurance?
FR44 insurance is similar to SR22 insurance but has higher liability requirements. In Florida, drivers with DUI convictions are required to carry FR44 insurance for three years after the conviction. SR22 insurance is required in many states for drivers who have had their license suspended or revoked due to a DUI or other serious driving offense. The liability requirements for SR22 insurance are typically lower than those for FR44 insurance.
Who Needs FR44 Insurance in Florida?
Any driver in Florida who has been convicted of a DUI is required to carry FR44 insurance before their driving privileges can be reinstated. Even if the driver does not own a car, they must carry non-owner FR44 insurance to maintain their driving privileges.
Monthly Payment Plans for FR44 Insurance in Florida
For many drivers, paying for FR44 insurance in Florida can be difficult due to the high premiums associated with the increased liability requirements. However, there are options for making payments more manageable through monthly payment plans.
Many insurance providers in Florida offer monthly payment plans for FR44 insurance policies. These plans allow drivers to pay their premiums on a monthly basis instead of in one lump sum. This can make payments more manageable and easier to budget for each month.
It is important to note that there is often an additional fee associated with monthly payment plans for FR44 insurance. This fee is typically a small percentage of the total premium and is included in each monthly payment. Drivers should also be aware that if they miss a monthly payment, their policy may be cancelled, and their driving privileges may be suspended.
What Is the Average Cost of FR44 Insurance in Florida?
The cost of FR44 insurance in Florida varies depending on a number of factors, including the driver’s age, driving history, and the insurance provider they choose. However, on average, FR44 insurance can cost anywhere from $1,500 to $3,000 per year.
While this may seem like a high premium, it is important to remember that FR44 insurance policies have higher liability requirements than standard car insurance policies. It is also important to shop around and compare rates from different providers to find the best deal.
FAQ About FR44 Insurance in Florida
What Happens if I Don’t Have FR44 Insurance?
If a driver in Florida with a DUI conviction does not have FR44 insurance, their driving privileges will be suspended until they obtain the required insurance. Additionally, if they are involved in an accident while driving without FR44 insurance, they may be subject to fines and legal action.
How Long Do I Need to Carry FR44 Insurance in Florida?
Florida requires drivers with a DUI conviction to carry FR44 insurance for three years after their conviction. It is important to maintain this coverage during this time to avoid any additional legal or financial consequences.
Can I Switch Insurance Providers While Carrying an FR44 Insurance Policy?
Yes, drivers can switch insurance providers while carrying an FR44 insurance policy. However, it is important to maintain continuous coverage to avoid any lapses that could result in the suspension of driving privileges.
How Can I Lower the Cost of FR44 Insurance in Florida?
One way to lower the cost of FR44 insurance in Florida is to maintain a good driving record. Drivers with a history of accidents or traffic violations may pay higher premiums for FR44 insurance.
Another way to lower the cost of FR44 insurance is to compare rates from different providers. Shopping around for insurance can help drivers find the best deal and potentially save money on their premiums.
Obtaining FR44 insurance in Florida can be costly, but there are options for making payments more manageable through monthly payment plans. By understanding the requirements of FR44 insurance in Florida, drivers with a DUI conviction can take the necessary steps to maintain their driving privileges and avoid additional legal and financial consequences.
Car insurance required in Florida for drivers with a DUI conviction that has higher liability requirements than standard car insurance policies.
Monthly Payment Plan
A payment plan that allows drivers to pay their FR44 insurance premiums on a monthly basis instead of in one lump sum.
The liability requirements for FR44 insurance in Florida, which include $100,000 of bodily injury liability per person, $300,000 of bodily injury liability per accident, and $50,000 of property damage liability.