Response : The FLFR-44 car insurance is similar to the SR-22 financial responsibility certificate that you must file with the state after certain convictions though typically the FR-44 is required after DUI convictions and has higher limits than the SR-22 insurance.

In Florida the FR-44 has been required since February 2008. Those convicted of a DUI in FL after October 1, 2007 were allowed to keep an SR-22 with limits of 10/20/10 until February 1, 2008. Effective February 2, 2008, drivers in FL with a DUI were required to up their Liability limits.

The FL FR-44 has higher limits in the amount of 100/300/50. A driver must have these new required Liability limits (instead of the previously lower limits of 10/20/10) in place on the offense date of the alcohol related offense to not owe a reinstatement fee but will still need to provide the state with an FR-44. If they did not have the required limits a driver who had their license reinstated prior to February 2, 2008, only paid a $15 reinstatement fee. The reinstatement fee on or after February 2, 2008, is now $150, $250, or $500 dollars.

You need this if you are held for a DUI or DWI offence. It is always advisable to compare the car insurance quote which can still be low.