Auto Insurance
May 13, 2021

What is FR44 Insurance

In a few states the department of motor vehicles will require a driver to file an FR-44 form to reinstate a driver's license. Below are some common questions that drivers have regarding this filing:

What is an FR-44 form?

Some drivers may have heard of an SR22 insurance form which is required to reinstate a license in most states. Currently Florida and Virginia are two states that are now requiring an FR-44 form to reinstate a driver's license after a DUI conviction. Similar to an SR22 the FR44 is simply a proof of financial responsibility that shows the state the driver has minimum liability insurance protection. The key difference between an SR-22 and FR-44 is the level of coverage required for liability insurance. The FR-44 form requires higher liability limits than the SR22.

Here are the required limits for states that mandate the form:

Florida FR44 Insurance Requirements:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $50,000 property damage

Virginia FR44 Insurance Requirements:

  • $50,000 bodily injury per person
  • $100,000 bodily injury per accident
  • $40,000 property damage

How much does FR44 insurance cost?

The cost to file an FR44 is only $15 to $30 depending on the insurance company but the overall increase in insurance cost is due to the DUI conviction. Most drivers who are convicted of DUI will see a dramatic increase in auto insurance premium due to the nature of the violation. In Florida and Virginia you need to file an FR44 to get your license reinstated and maintain this filing for three (3) years. An easy way to see how much the DUI will increase your premiums is to compare rates from multiple companies. Use our free service to compare top companies in your area.

What happens if I cancel my FR44 insurance policy early?

If you let your FR-44 insurance policy lapse or cancel prior to the end of your probation period the state will suspend your license again. Only when the state has the FR44 filing will they allow you to drive and your three year probation period will start over. It is in your best interest to make sure the FR44 auto insurance stays in force or you will likely pay more money in the long run. You can switch companies during your probation period but be sure the new policy and FR44 filing are in force prior to cancelling the old policy.

Which auto insurance companies offer FR-44 insurance?

Most insurance companies that are licensed in the states of Florida and Virginia will be able to file form FR44 for you. Some of the most trusted companies like Allstate, American Family and State Farm handle this request often so they will know what you need to do. You can use our free online service to get FR44 insurance quotes to compare in minutes. Since the FR44 is only required in two states the form will not have a field for FR44 so just select "SR22 needed" when asked.

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