Determining costs is done on a case by case basis. Costs can be determined by requesting a quote. The increased FR44 liability limits will be more expensive to maintain.  You will also see a rise in your car insurance premiums as you are now categorized as a “high risk” driver. Other determinations include sex, age, location and your previous driving record.

Filing an Florida FR44 certificate will require a one-time filing fee, unless the policy lapses. Take into consideration, most insurance companies require payment up front as is required by the State of Florida, especially if you have a loan on the vehicle.