FR-44 Insurance
Only two states use it, and it requires more coverage than a standard SR-22. Here's exactly what's different.
What Makes FR-44 Different From SR-22
FR-44 is functionally the same idea as an SR-22 — a certificate your insurer files with the state — but it requires significantly higher minimum liability limits, typically double the state's standard minimum. Virginia and Florida use FR-44 instead of SR-22 specifically for DUI/DWI-related violations and certain other serious offenses.
| Standard SR-22 | FR-44 | |
|---|---|---|
| States that use it | Most states | Virginia, Florida only |
| Typical trigger | Various violations | DUI/DWI, specific serious offenses |
| Minimum liability | State's standard minimum | Roughly double the standard minimum |
What It Means for Cost
Because FR-44 requires more coverage, the premium is typically higher than a standard SR-22 policy would be for a comparable driver — you're buying more liability protection, not just paying a bigger fee. Combined with the underlying DUI's effect on your risk profile, FR-44 policies are often among the more expensive filings on this site. See the general cost breakdown for how violation type affects price.
Who Needs It
If you're in Virginia or Florida and your violation was a DUI/DWI (or certain other serious offenses specified by the state), your court or DMV will typically specify FR-44 rather than the standard SR-22 — check your notice or order carefully, since the two forms aren't interchangeable.
Filing an FR-44
The filing process itself works the same way as a standard SR-22: your insurer files it electronically with the state once you have a qualifying policy. See the general how-to-file walkthrough — the steps are identical, just with the higher coverage requirement.
Quick Answers
Can I use a non-owner policy for FR-44?
Yes, if you don't own a vehicle — non-owner FR-44 policies exist, though availability and pricing vary more by carrier than standard non-owner SR-22 policies.
How long do I need FR-44?
Typically three years in both Virginia and Florida, same as the standard SR-22 default, though your specific court order controls — confirm your exact duration.