If you’ve been told you need FR-44 insurance in Florida or Virginia, you might already feel stressed and overwhelmed.
Don’t worry — we’re here to make this simple. At The Car Insurance Guy, we handle FR-44 filings every day and know how to get you back on the road fast.
What Is FR-44 Insurance?
FR-44 insurance is often confused with SR-22, but they’re not the same.
While both are forms your insurance company files to prove you have coverage,
FR-44 is used only in Florida and Virginia and carries
higher liability limits.
- Purpose: To confirm compliance after severe violations like DUI/DWI.
- Who requires it: Florida and Virginia state DMVs or courts.
- Duration: Usually 3 years, but can vary.
Who Needs FR-44 Insurance?
FR-44 filings are typically required if you’ve had:
- DUI/DWI convictions
- Driving with a suspended or revoked license
- Operating a vehicle without required insurance
- Multiple major traffic offenses within a short time frame
For state-specific FR-44 rules, visit
Florida Highway Safety & Motor Vehicles
or
Virginia DMV.
FR-44 vs. SR-22: What’s the Difference?
Both FR-44 and SR-22 are state filings proving you have valid auto insurance, but:
| Feature | SR-22 | FR-44 |
|---|---|---|
| States Used | All states (except DE, KY, MN, NM, NY, NC, OK, PA) | Florida, Virginia only |
| Required For | License reinstatement after suspension | DUI/DWI and severe violations |
| Liability Limits | State minimums | Much higher minimums required |
How to File for FR-44 Insurance
- Request a policy quote. We’ll confirm if FR-44 is required and ensure your policy meets Florida or Virginia’s higher limits.
- Choose the right policy. We present options that fit your needs and budget.
- We handle the filing. We submit the FR-44 directly to your state DMV — often electronically.
- Track and confirm. We ensure your DMV accepts the filing and your record updates correctly.
How Much Does FR-44 Insurance Cost?
The FR-44 filing fee is usually $15 to $50.
However, because FR-44 cases often involve serious violations, premiums can increase significantly.
- Filing fee: Small, one-time cost.
- Premium increases: Higher liability limits mean higher rates.
- Duration: Usually required for 3 years.
Non-Owner FR-44 Insurance
Even if you don’t own a vehicle, you may still need FR-44 coverage to restore your license or meet court requirements.
A non-owner FR-44 policy provides liability coverage without tying it to a specific car.
Common FR-44 Mistakes to Avoid
- Missing deadlines: Late filings can extend your suspension.
- Choosing the wrong coverage: Florida and Virginia require much higher limits.
- Policy lapses: Cancelling or missing payments can restart your FR-44 timeline.
- Not confirming DMV acceptance: Always verify the state processes your filing.
Frequently Asked Questions
Is FR-44 insurance the same as SR-22?
No. FR-44 is required only in Florida and Virginia and involves much higher liability coverage.
How long do I need FR-44 insurance?
Usually 3 years, but the court or DMV may specify otherwise.
What happens if I cancel my FR-44 policy?
Your insurer notifies the DMV, which can immediately suspend your license again.
Need FR-44 Insurance? We Make It Simple
Whether you live in Florida or Virginia, we’ll file your FR-44 fast, ensure DMV acceptance, and explain every step in plain English.
© 2025 The Car Insurance Guy • Veteran-owned •
Privacy
