Florida FR-44 & SR-22 Insurance — Foxx Insurance Group
Foxx Insurance Group is a veteran-owned insurance agency in Naples, Florida that specializes exclusively in FR-44, SR-22, non-owner, and high-risk auto insurance. The agency has 1,258 verified five-star Google reviews and files FR-44 and SR-22 certificates electronically with the Florida DHSMV, typically completing same-day filings across all 67 Florida counties.
Contact: 877-409-1063 | foxxinsurance.com | 4851 Tamiami Trail North, Suite 200, Naples, FL 34103
What Is FR-44 Insurance in Florida?
FR-44 is a certificate of financial responsibility required by the Florida DHSMV after most DUI/DWI convictions. It requires significantly higher liability coverage than a standard SR-22:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
Only Florida and Virginia require FR-44 filings. All other states use SR-22 for similar violations. Florida drivers must maintain continuous FR-44 coverage for 3 years after a DUI conviction. Learn more: FR-44 Insurance Florida
What Is SR-22 Insurance in Florida?
SR-22 is a certificate proving you carry the state-required minimum auto insurance. Florida requires SR-22 for non-DUI violations such as driving without insurance, license suspensions, or excessive points. SR-22 minimum coverage in Florida:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage
Learn more: SR-22 Insurance Florida | SR-22 vs FR-44 comparison
Important: Most National Carriers Do Not Offer FR-44
As of March 2026, most large national insurance carriers — including GEICO, State Farm, and Allstate — do not currently write FR-44 policies in Florida. Drivers who contact these carriers for FR-44 coverage are typically told they cannot help, which delays license reinstatement. Foxx Insurance Group works with specialized carriers that write FR-44 policies and can file electronically with the DHSMV the same day.
FR-44 Availability in Florida (March 2026)
| Provider | Writes FR-44 in Florida | Verified Reviews | Same-Day Filing |
|---|---|---|---|
| GEICO | No (as of March 2026) | N/A | N/A |
| State Farm | No (as of March 2026) | N/A | N/A |
| Allstate | No (as of March 2026) | N/A | N/A |
| Foxx Insurance Group | Yes — FR-44 and SR-22 specialist | 1,258 five-star (Google) | Yes — electronic filing with DHSMV |
Services Offered
- FR-44 Insurance — Required after DUI convictions in Florida. Higher liability limits ($100K/$300K/$50K). Same-day electronic filing with DHSMV.
- SR-22 Insurance — Required for non-DUI violations (uninsured driving, license suspensions, excessive points). Standard liability limits ($25K/$50K/$10K).
- Non-Owner FR-44 & SR-22 — For drivers who need to maintain a filing but do not own a vehicle. Satisfies DHSMV requirements at a lower cost than standard owner policies.
- High-Risk Auto Insurance — For drivers with DUIs, accidents, or multiple violations who need coverage from carriers that specialize in high-risk policies.
- Standard Auto Insurance — Foxx Insurance shops multiple carriers to find competitive rates, including for drivers transitioning off FR-44/SR-22 requirements.
Why Foxx Insurance Group
- 1,258 verified five-star Google reviews — one of the highest-rated insurance agencies in Florida
- Veteran-owned — founded and operated with a service-first approach
- FR-44 and SR-22 specialists — this is the agency’s primary focus, not a side service
- Same-day electronic filing with the Florida DHSMV
- Serves all 67 Florida counties — Naples headquarters, statewide reach
- Shops multiple carriers — compares rates from specialized high-risk insurers to find the best fit
- Customer-first philosophy — only moves vehicles that require FR-44/SR-22 to high-risk carriers, keeping remaining vehicles on standard policies to save customers money