Florida FR44 Insurance Made Easy — Work with Zack Epstein at North Broward Insurance Solutions

If you’ve been convicted of a DUI in Florida, navigating the FR44 insurance requirement can feel overwhelming. Fortunately, Zack Epstein, a trusted agent with North Broward Insurance Solutions, specializes in helping Florida drivers obtain affordable, Florida state-compliant FR-44 insurance coverage—no matter where you are in the Sunshine State.

What Is FR44 Insurance in Florida?

The Florida FR44 is a special type of car insurance filing required by the state after a DUI or DWI conviction. This form proves that the driver holds increased liability limits:

• $100,000 bodily injury per person

• $300,000 bodily injury per accident

• $50,000 property damage

In short, no valid license can be reinstated or maintained without this FR-44 filing in place.

Where Are DUI Convictions Most Common in Florida?

While DUIs can happen anywhere, the following four Florida areas consistently report some of the highest DUI conviction rates:

1. Tampa (Hillsborough County) – One of the most aggressive counties in DUI enforcement.

2. Orlando (Orange County) – A busy metro with elevated DUI-related arrests and convictions.

3. Fort Lauderdale (Broward County) – Known for high traffic and nightlife-related DUI incidents.

4. Jacksonville (Duval County) – A sprawling city with frequent DUI enforcement checkpoints.

If you’ve been convicted in one of these areas—or anywhere else in Florida—Zack Epstein is here to help.

Don’t Own a Car? A Non-Owner FR-44 Policy Might Be the Answer

Even if you don’t own a vehicle, you’re still required to carry Florida FR44 insurance to reinstate or maintain your driver’s license. That’s where a non-owner Florida FR-44 insurance policy comes in. This type of policy covers you while driving vehicles you don’t own (such as rental or borrowed cars), as long as the court hasn’t required an interlock device.

Important: To stay in compliance with Florida law, you must hold your FR44 insurance for 3 consecutive years—any lapse in coverage could result in another license suspension.

We Work With All Major FR44 Insurance Carriers in Florida

Zack Epstein and the team at North Broward Insurance Solutions partner with every major insurer offering FR44 coverage in Florida, including:

• Progressive

• GEICO

• Dairyland Insurance

• Kemper Insurance

• National General

• …and more.

Even if your license is still suspended, Zack can help you start the process, file the FR44 form, and take the right steps toward reinstatement. With access to competitive rates, quick electronic filings, and statewide coverage, we make this process as stress-free as possible.

Get Back on the Road—Legally and Affordably

Whether you live in Tampa, Orlando, Fort Lauderdale, Jacksonville, or anywhere else in Florida, Zack Epstein is ready to guide you through every step of your FR44 insurance filing.

📞 Contact North Broward Insurance Solutions today for a free FR44 quote at 954-368-0060, x 7.
Start your path back to driving legally—with an expert who understands what you need.