FR-44 Insurance in Hollywood, Florida

A certificate, not a policy

The FR-44 itself is a form your insurance company files with the state — proof that a qualifying policy exists. What you actually shop for is the policy underneath: 100/300/50 liability coverage from a carrier authorized to file in Florida. Not every company will write it; the ones that do transmit the certificate electronically, and reinstatement then moves through the state's own process and fees.

Two things end badly during a filing period: cancellation and lapse. Both get reported to the state, both can revive the suspension, and a lapse can stretch the time you spend under the requirement. Continuous coverage is the whole game.

Between two counties: the Hollywood commute problem

Few Hollywood drivers work only in Hollywood. The morning tide flows north toward Fort Lauderdale's office corridors and the airport, or south down I-95 and US-1 into Miami-Dade — and the Broadwalk, Young Circle's restaurant ring, and the casino district along State Road 7 pull evening traffic from both directions. A three-year FR-44 period in this town means insuring a real commuter's driving life, which is exactly why getting the policy priced by several carriers instead of one matters so much here.

What to expect on cost

There's no verified average premium specific to Hollywood, so be skeptical of any site quoting one. The honest anchors: full coverage in Florida typically runs about $2,786–$2,953 a year statewide, and ValuePenguin data puts minimum-coverage FR-44 policies around $318 a month on average. A DUI-rated policy at 100/300/50 sits above an ordinary one by design — which sounds bleak until you remember the spread: carriers that specialize in non-standard Florida business routinely undercut the household names on DUI records.

Timing helps too. Florida regulators approved rate cuts from the state's five largest auto insurers for 2026, so the market you're quoting into is not the market of two years ago. Fresh quotes from several companies — gathered through licensed agents, including the partners we work with — are the only version of this number worth trusting.

Common Hollywood situations

A few patterns come up again and again for Broward drivers dealing with an FR-44:

• Convicted in Miami-Dade but live in Hollywood: the FR-44 is a statewide requirement — where the case happened doesn't change the form or the limits.
• No vehicle right now: a non-owner FR-44 policy provides the required liability coverage and the state filing without insuring a specific car, and it's usually the cheaper route to reinstatement.
• Violation wasn't DUI-related: you likely need an SR-22 instead — a different certificate that rides on Florida's normal $10,000 PIP and $10,000 PDL floor. The DHSMV notice names the form.
• Already insured with a big brand: get comparison quotes anyway — the carrier that was cheapest before the DUI is frequently not the one that's cheapest after it.