Progressive Does Not File SR-22 in Florida
Florida does not use SR-22 certificates. If you requested SR-22 from Progressive to reinstate your Florida license, you requested the wrong form. Florida is one of only two states that requires FR-44 certificates instead — a higher-liability filing used exclusively for DUI-related suspensions and specific high-risk violations. Progressive does file FR-44 in Florida, but calling it SR-22 to your agent creates confusion and delays your reinstatement timeline.
This structural difference matters because FR-44 mandates substantially higher liability limits than SR-22: $100,000 per person bodily injury, $300,000 per accident bodily injury, and $50,000 property damage (100/300/50). Standard Florida minimums for non-suspended drivers are $10,000 property damage and $10,000 personal injury protection with no bodily injury requirement. Your FR-44 policy will cost significantly more than a standard policy — not because of a filing fee, but because you must carry limits ten times higher than the state floor.
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Get Your Free QuoteFlorida FR-44 Minimum Limits
$100,000/$300,000
Florida Statutes § 322.28 requires FR-44 filers to maintain 100/300/50 liability coverage — substantially higher than the $10,000 property damage minimum for standard drivers. This elevated floor is the primary driver of FR-44 premium cost, not the filing itself.
Florida Statutes § 322.28
When Florida Requires FR-44 Filing
Florida mandates FR-44 for DUI convictions, DUI-related license suspensions (including administrative suspensions for BAC 0.08+ or refusal to submit to testing), and certain reckless driving convictions involving alcohol. The filing requirement begins when the Department of Highway Safety and Motor Vehicles (DHSMV) issues your reinstatement notice and lasts for three years from your reinstatement date.
Non-DUI suspensions — points accumulation, unpaid tickets, insurance lapse violations, failure to appear in court — typically do not trigger FR-44 requirements. These suspensions still require proof of insurance to reinstate, but you can meet that requirement with a standard liability policy at Florida's 10/10 minimums. If your suspension letter from DHSMV explicitly lists FR-44 as a reinstatement condition, you are in the DUI track. If it does not mention FR-44, you likely do not need it.
Hardship license applicants (Business Purpose Only License holders) suspended for DUI must maintain FR-44 during the hardship period and for the full three years post-reinstatement. Dropping coverage or allowing your policy to lapse triggers immediate suspension under Florida's electronic insurance tracking system.
Progressive files FR-44 electronically to DHSMV within 24 hours of binding your policy, but reinstatement processing takes 5–7 business days after DHSMV receives the filing.
How Progressive FR-44 Filing Works in Florida
Contact Progressive directly by phone (1-800-776-4737) or through your assigned agent and state that you need FR-44 filing for Florida license reinstatement. Do not request SR-22 — Progressive's system will flag the error and require you to restate your request, adding processing time. Provide your Florida driver's license number, suspension notice from DHSMV, and the reinstatement letter listing FR-44 as a condition. Progressive underwrites your policy based on your violation history, assigns you to their non-standard tier, and generates a quote reflecting the 100/300/50 liability minimums Florida requires.
Once you bind coverage and pay your first premium, Progressive electronically transmits your FR-44 certificate to DHSMV within 24 hours. The filing itself costs $25 as a one-time fee added to your first premium. DHSMV processes incoming FR-44 filings within 5–7 business days. You cannot drive legally until DHSMV confirms receipt of your FR-44 and processes your reinstatement payment — the electronic filing does not grant immediate driving privileges.
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What Progressive FR-44 Costs in Florida
Progressive's FR-44 filing fee is $25, paid once when your policy binds. Your monthly premium reflects the substantially higher liability limits Florida mandates, your DUI conviction or suspension trigger, and Progressive's underwriting tier for high-risk drivers. Florida DUI drivers with FR-44 requirements typically pay $280–$420 per month for minimum-compliant liability coverage through Progressive. Drivers under 25, drivers with multiple violations, or drivers in high-density counties (Miami-Dade, Broward, Hillsborough) cluster toward the upper end of that range.
Progressive does not publish a standalone FR-44 surcharge beyond the $25 filing fee. The elevated premium reflects two factors: the higher liability limits you must carry, and the actuarial risk adjustment Progressive applies to DUI-convicted drivers. Collision and comprehensive coverage, if you add them, increase your premium further — a 2018 sedan with full coverage under FR-44 requirements runs $450–$650 per month depending on your county and prior claims history.
Your premium stays elevated for the full three-year FR-44 period. Progressive re-rates your policy at each renewal, but the FR-44 filing requirement locks you into the high-liability minimums regardless of rating improvements. After three years, once DHSMV releases you from FR-44 and you file proof of compliance, you can request Progressive re-quote you at standard Florida minimums (10/10) or shop carriers who price clean-record policies more competitively.
Progressive FR-44 Premium Range
$280–$420/mo
Florida DUI drivers with FR-44 filing requirements pay $280–$420 monthly through Progressive for liability-only coverage at 100/300/50 minimums. Rates vary by age, county, prior violations, and whether you maintain continuous coverage or bind after a lapse.
Estimates based on Progressive rate filings and industry data; individual rates vary
Alternatives If Progressive Rates Are Too High
Progressive writes FR-44 policies in Florida but does not specialize in high-risk post-DUI coverage. Non-standard carriers — Acceptance Insurance, Bristol West, Dairyland, The General, and Infinity — focus exclusively on suspended-license and post-violation drivers and often price FR-44 policies $40–$80 per month lower than Progressive for comparable coverage. These carriers file FR-44 electronically to DHSMV with the same 24-hour timeline Progressive uses.
If you do not currently own a vehicle, non-owner FR-44 policies satisfy Florida's filing requirement at significantly lower cost. Non-owner policies provide liability coverage when you drive vehicles you do not own — rental cars, employer vehicles, or cars borrowed from family. Progressive offers non-owner FR-44 policies starting around $180–$260 per month. Dairyland and The General price non-owner FR-44 as low as $140–$200 monthly. Non-owner FR-44 meets Florida's reinstatement requirement and keeps your filing active during your three-year compliance period without the cost of insuring a titled vehicle.
Get Your Florida FR-44 Filed Now
Request quotes from Progressive and at least two non-standard carriers that specialize in FR-44 filing — Acceptance, Bristol West, or Dairyland. Provide each carrier your DHSMV suspension notice, your driver's license number, and confirmation that you need FR-44, not SR-22. Bind the policy that meets Florida's 100/300/50 floor at the lowest monthly cost, confirm the carrier will file electronically within 24 hours, and pay your reinstatement fee to DHSMV once the filing is confirmed. Compare FR-44 rates and carriers writing in Florida now.