Allstate Files FR-44 but Not for New High-Risk Applicants
If you already have an Allstate auto policy in Florida when your FR-44 requirement hits, your agent can add the filing to your existing coverage. The filing itself costs nothing extra — Allstate submits it electronically to DHSMV within 1-3 business days once your policy meets the 100/300/50 liability minimums Florida requires for FR-44. Your premium will increase to reflect the higher liability limits and your new risk classification, but you keep your policy.
If you're shopping for a new policy after a DUI conviction or refusal suspension, Allstate will not write you a new policy in Florida. The company underwrites to preferred and standard tiers only. DUI convictions, multiple at-fault accidents, and FR-44 filing requirements push applicants into the non-standard tier, which Allstate does not serve directly. Your quote request gets referred to a non-standard carrier in Allstate's referral network or you're directed to shop elsewhere. This is the structural reality most drivers miss when they call Allstate first.
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Get Your Free QuoteFlorida FR-44 Liability Minimums
100/300/50
Florida Statutes § 324.023 mandates $100,000 bodily injury per person, $300,000 per incident, and $50,000 property damage for FR-44 filers — ten times the property damage floor of a standard SR-22 state. PIP and PDL requirements remain separate.
Florida Statutes § 324.023
When Allstate Works and When It Doesn't
Allstate's FR-44 capability is real but conditional. The company confirms on its SR-22 resource page that it files FR-44 certificates in Florida and Virginia. What the page does not clarify is that filing capability does not equal underwriting appetite. Allstate will file the form for a policyholder whose risk profile was acceptable when the policy was written. It will not underwrite a new policy for someone whose DUI conviction or multiple violations already place them outside Allstate's risk threshold.
This creates three pathways. First: you held an Allstate policy before your suspension, you notify your agent of the FR-44 requirement, and Allstate raises your liability limits and files the certificate. Your rate climbs but you stay insured. Second: you're a current Allstate customer whose policy lapses or cancels during your suspension period. Allstate may or may not rewrite you depending on how long the lapse lasted and whether other violations stacked during that window. Third: you're shopping fresh after a DUI conviction with no prior Allstate relationship. Allstate will not quote you. You need a non-standard carrier from the start.
The distinction matters because most drivers assume any carrier that files FR-44 will also write the underlying policy. That assumption wastes days. If you're calling Allstate as a new applicant post-DUI, you're already in the wrong tier. Redirect to carriers that specialize in high-risk Florida drivers: Progressive, Geico, Dairyland, Bristol West, The General, National General, Acceptance, or Infinity. All write FR-44 policies for new DUI applicants in Florida.
Allstate files FR-44 for existing policyholders but will not write new policies for DUI applicants in Florida. If you don't already have coverage with them, you're shopping the wrong tier.
How FR-44 Filing Works Through Allstate
Contact your Allstate agent as soon as you receive notice of your FR-44 requirement — either from DHSMV after a DUI administrative hearing or from the court clerk after conviction. Your agent reviews your current liability limits. If your policy carries less than 100/300/50, they increase your coverage to meet the FR-44 floor. Once the increased limits are active on your policy, Allstate submits the FR-44 certificate electronically to DHSMV. Florida's Insurance Tracking System receives the filing within 1-3 business days.
Your DHSMV reinstatement eligibility does not begin until the FR-44 is on file and all other reinstatement conditions are met: suspension period served, reinstatement fees paid, DUI school completed if required, ignition interlock installed if ordered. The FR-44 is one gate in a multi-gate process. Allstate's filing speed does not accelerate the other gates. If you're applying for a Business Purpose Only License during your suspension, the FR-44 must be on file before DHSMV will issue the hardship license. Verify filing status through your MyDMV account or by calling DHSMV directly — do not rely on your agent's confirmation alone.
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What Allstate FR-44 Coverage Costs in Florida
Allstate does not publish FR-44 rate tables. Premiums vary by age, county, vehicle, prior insurance history, and the severity of the offense that triggered the FR-44 requirement. Existing policyholders adding FR-44 to an active policy typically see monthly premiums between $185 and $310 for minimum liability coverage with no collision or comprehensive. That range reflects a clean prior record with a single DUI conviction and no other at-fault accidents in the prior three years.
Multiple DUI convictions, stacked violations, or a refusal suspension with prior at-fault accidents push premiums higher. Drivers under 25 pay more. Drivers in Miami-Dade, Broward, or Hillsborough counties pay more due to higher uninsured motorist rates and theft exposure. If your Allstate policy already included collision and comprehensive before the FR-44 requirement, expect your total monthly premium to range between $280 and $480 after the liability increase and risk reclassification.
Allstate offers the same discount programs to FR-44 policyholders as to standard-tier drivers: multi-policy, pay-in-full, paperless billing, and Drivewise telematics. Your eligibility for these discounts depends on your account history and whether you maintain other policies with Allstate. The discounts typically offset 8-15% of your base premium. Ask your agent which discounts apply before your FR-44 policy binds.
Florida FR-44 Filing Period
3 years
Florida requires continuous FR-44 filing for three years from your reinstatement date, not your conviction date. If your policy lapses or cancels during that period, DHSMV suspends your license again immediately and the three-year clock restarts from your next reinstatement.
Florida Statutes § 324.023
Alternatives When Allstate Won't Write You
If Allstate declines your application or refers you out, you need a carrier that underwrites non-standard and high-risk Florida drivers. Progressive writes more FR-44 policies in Florida than any other carrier and quotes online for DUI applicants. Geico writes FR-44 for first-offense DUI drivers with no prior at-fault accidents. Both file electronically to DHSMV and both offer monthly payment plans without requiring a down payment equal to six months' premium.
Dairyland, Bristol West, The General, and National General specialize in high-risk drivers and write FR-44 policies for drivers Allstate and State Farm turn away. Monthly premiums from these carriers range between $210 and $385 for liability-only coverage, comparable to what Allstate would charge an existing policyholder adding FR-44. If you don't own a vehicle, all four write non-owner FR-44 policies that satisfy DHSMV's filing requirement without insuring a car you don't drive. Non-owner policies cost less — typically $95 to $160 per month — because they cover liability only and exclude collision, comprehensive, and physical damage exposure.
Next Steps for Florida Drivers Needing FR-44
If you currently hold an Allstate policy in Florida, call your agent today and request FR-44 filing. Confirm your liability limits meet the 100/300/50 floor and ask for written confirmation of your new premium before the policy change binds. Request a copy of the filed FR-44 certificate once Allstate submits it to DHSMV.
If you're shopping for a new policy after a DUI suspension or refusal, do not waste time pursuing Allstate. Start with Progressive, Geico, or one of the non-standard carriers listed above. Use Florida Suspended License Insurance's carrier comparison tool to request quotes from multiple FR-44 writers simultaneously. Verify each carrier files electronically to DHSMV and confirm the policy includes the 100/300/50 minimums before you bind coverage. Your license reinstatement depends on continuous FR-44 filing for the next three years — choose a carrier you can afford to keep.