Requesting a DUI insurance quote in Florida is really just requesting an FR-44 quote — the industry term for what your policy actually needs to include after a DUI conviction. Here’s exactly how the process works and what to expect.
What a “DUI insurance quote” really means
There’s no separate insurance category called “DUI insurance.” What you’re actually requesting is a standard auto policy built around FR-44’s higher liability limits, shopped across carriers that write these policies. Understanding that distinction helps you ask for the right thing when you start comparing options.
What you’ll need on hand
- Your driver’s license
- Vehicle details — year, make, model, and VIN if available
- Your court or FLHSMV notice, which typically confirms your specific requirement and dates
- Any prior insurance information, especially if you’re switching carriers
Get your real numbers, not a rough estimate.
Get a Free QuoteWhy quotes vary so much after a DUI
This is where people often get frustrated — three quotes, three very different numbers, all for the same driver and vehicle. That’s not a mistake. Every insurer weighs DUI-related risk differently, which means the carrier you choose can matter as much as your actual driving history in determining your final price.
How fast you can actually get a quote
Usually within minutes during business hours. If you’d rather not fill out an online form, Florida FR-44 Auto Insurance also takes quote requests by text — many people find this faster, especially if they’re managing this alongside a lot of other stress.
Quote comparison checklist
| Step | What to check |
|---|---|
| Coverage limits | Confirm they match your specific FR-44 requirement |
| Carrier eligibility | Confirm the insurer actually files FR-44 |
| Total cost | Compare full premium, not just a monthly teaser rate |
| Discounts | Ask what you qualify for — every carrier differs |
| Filing timeline | Confirm how quickly the FR-44 gets submitted once active |
What happens after you accept a quote
Once you choose an option, you’ll activate the policy and your insurer takes care of filing the FR-44 electronically. There’s no separate DMV visit required on your end — the whole thing typically wraps up within a day or two of accepting a quote.
What to do if you feel rushed
Court deadlines can create real time pressure, but that doesn’t mean you have to accept the first quote out of panic. Even with a tight timeline, most drivers can still get two or three quotes within the same day or two — the process moves fast enough that comparing doesn’t meaningfully cost you time, even under pressure.
Frequently asked questions
Is requesting a quote free? Always, and there’s no obligation to purchase.
Will multiple quote requests hurt my credit? Quote requests themselves generally don’t involve a hard credit pull — ask your agent if you have concerns about a specific carrier’s process.
How many quotes should I compare? At least two or three, given how much FR-44 pricing varies between insurers.
Can I get a quote before my court date? Yes — many drivers start shopping as soon as they know FR-44 will be required, even before every detail of their case is finalized.
What if my quote seems too high? Get a second and third opinion before accepting — the gap between the highest and lowest FR-44 quote for the same driver is often larger than people expect.
Ready when you are
A DUI insurance quote doesn’t have to be complicated. Florida FR-44 Auto Insurance compares real carriers so you get real numbers, fast.
Request your free DUI insurance quote today.
Get a Free QuoteRelated: Get an FR-44 Insurance Quote in Florida and How to Find Affordable DUI Insurance.
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