What is FR44 insurance? Many states offer an SR22 insurance program that enables drivers to reinstate their licenses after a suspension. Most of the time, people need SR22 insurance due to motor vehicle offenses or legal judgments. However, Florida and Virginia have two high-risk insurance certificates. One (SR22) is for non-alcohol or drug-related suspensions; the other (FR44) is for DUI/DWI-related suspensions.
Virginia was the first state to implement an FR44 insurance program, and Florida was the second state to adopt it. FR44 DUI insurance is a financial responsibility certificate filed with the Florida or Virginia DMV after a DUI or DWI conviction. After the DMV processes your filing, it will reinstate your driving privileges.
We’re all capable of making the wrong decision to drink and drive. If you made that decision, you understand that a DUI conviction has adverse personal and financial effects on your life. Our licensed UltraCar Insurance agents do their best to find you the lowest insurance rate for your situation. We’ll help make the license reinstatement process as quick and easy as possible.
How does FR44 insurance work?
An FR44 filing allows the reinstatement of your driving privileges. It also guarantees that you’ll maintain the insurance during a specific time. The insurance company closely monitors the insurance policies tied to these certificates. If a policy lapses, the insurance provider notifies the state immediately, suspending the license. The state usually requires people to carry this insurance for three years without lapse in coverage.
What happens to your FR44 if you move out of state? You should not cancel your insurance policy before your FR44 obligation has ended. If you anticipate moving from Florida or Virginia to another state, please consult with your insurance provider to stay compliant and avoid another license suspension.
How much does FR44 insurance cost?
FR44 insurance costs more than SR22. That’s because the minimum liability coverage requirements are higher after a DUI conviction.
- Minimum liability coverage for Virginia FR44 insurance is $60/$120/$40.
- Minimum liability coverage for Florida FR44 insurance is $100/$300/$50.
Your insurance premiums will increase for FR44 insurance, partly due to the higher minimum coverage requirements. Underwriters also consider several individual factors when determining your insurance rate. These factors include your driving record, years of driving experience, age, marital status, and where you live (in an urban or rural area).
Ignition Interlock
In some circumstances, you’ll need to install an ignition interlock device (IID) in your vehicle as part of the license reinstatement process. To assist our customers who need an IID, UltraCar Insurance partners with Intoxalock® ignition interlock services.
Please call us at 888-551-1991 if you have any questions, check our Intoxalock® FAQ page, or go to our partner page on the Intoxalock® site to get a quote.
Owner and Non-Owner Insurance Policies
First, if you own a car, you’ll need a liability-only or full-coverage insurance policy. The certificate is an endorsement to your auto policy.
You can also purchase this insurance without a vehicle. If you don’t own a car, you’ll need to buy a non-owner FR44 policy with liability-only coverage. A non-owner policy will not contain comprehensive or collision coverage since it does not insure a vehicle.
FR44 Motorcycle Insurance
If you own a motorcycle in Virginia, you can endorse an FR44 certificate to your motorcycle insurance policy.
UltraCar Insurance offers affordable FR44 insurance rates and policies that suit your needs. Please call, use the Contact Us form, or get an online quote. Our experienced agents are licensed in Florida and Virginia and offer fast electronic filing of your certificate. For more information, don’t hesitate to call us.
