Dealing with a DUI conviction is a stressful experience. Finding the right insurance coverage to get their driver’s license can seem overwhelming to many people. When you need FR44 insurance, navigating all the information appears impossible.
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FR44 DUI Insurance: Everything You Need to Know
If you have a drug or alcohol-related motor vehicle conviction in Florida or Virginia, you’ll become acquainted with FR44 DUI insurance. FR44 is high-risk auto insurance that these states require for drivers convicted of a DUI. It provides the liability coverage they need to reinstate their license. Learn how it works, how to get it, and how much it costs.
How to get cheap Florida FR44 insurance
Getting a DUI license suspension is difficult, both personally and financially. You’ll need to buy high-risk FR44 insurance in Florida to reinstate your license, but can you find a cheap Florida FR44 rate? Florida has stiff DUI penalties, including the requirement of higher liability insurance coverage, which is quite expensive. However, there are ways to get the most affordable rates for high-risk FR44 insurance in Florida for your needs when you work with a qualified FR44 insurance provider.
FR44 is expensive, high-risk insurance Florida requires you to buy to reinstate your license after a DUI/DWI conviction. Getting an affordable rate is the goal,
FR44 Non Owner Insurance Florida – FAQ
FR44 non-owner insurance Florida is DUI insurance required to reinstate your license if you don’t own a vehicle. Frequently asked questions about FR44 insurance include how much it costs, what it covers, and the payment terms. The answers will help you better understand Florida non-owner FR44 insurance.
When you have a license suspension after a DUI conviction, and you don’t own a vehicle, you’ll buy FR44 non owner insurance Florida for reinstatement. When eligible for license reinstatement, you must choose an FR44 insurance provider to issue and file your certificate with the state.
What’s the difference between SR22 and FR44 insurance?
You’ll need to know the difference between SR22 and FR44 insurance to reinstate your license in these states. Only Florida and Virginia require different certificates for DUI violations vs. non-DUI offenses. You’ll file an SR22 certificate for motor vehicle violations unrelated to alcohol or drugs. You must file an FR44 form for alcohol or other substance-related DUI violations.
When people in Florida and Virginia need to reinstate their license, they often ask, what’s the difference between SR22 and FR44 insurance? These are the only states with two types of license reinstatement certificates. An SR22 insurance certificate is for non-alcohol-related motor vehicle violations. The FR44 insurance certificate is for DUI or DWI violations.
Costs of DUI Insurance Florida FR44
DUI insurance Florida FR44 is a certificate of financial responsibility. You’ll need to buy this insurance to reinstate your license after a DUI conviction. Besides the cost of FR44 insurance, other expenses include fines and reinstatement fees. You may also have to pay to take a traffic safety course or to install an ignition interlock device.
You may wonder why DUI insurance Florida FR44 premiums and associated costs are the highest in the country. Even standard auto insurance in Florida is much more expensive than in other states.
Florida FR44 Motorcycle Insurance
Did you know you can endorse an FR44 certificate to your motorcycle insurance policy? Florida FR44 motorcycle insurance allows license reinstatement after a DUI conviction. Often, an FR44 endorsement of a motorcycle insurance policy can be more affordable than an auto policy endorsement.
We currently do not offer Florida FR44 or SR22 motorcycle policies.
If you need FR44 insurance, UltraCar Insurance will endorse a Florida FR44 motorcycle insurance certificate to your motorcycle, scooter, or moped policy.
What is FR44?
What is FR44? Florida and Virginia have two separate certificates for license reinstatement. One, SR22, is for motor vehicle violations unrelated to alcohol or drugs. The other, FR44, is for DUI-related offenses. To reinstate your license after a DUI or DWI conviction, you need to file an FR44 certificate with the state.
What is FR44? In Florida and Virginia, you must attach a financial responsibility form to your auto insurance policy to reinstate your license after a DUI/DWI conviction. Florida and Virginia are the only states that require this form specifically for DUI/DWI offenses. On January 1, 2008, Virginia was the first state to introduce it, and Florida became the second state to adopt it.
What is FR44 insurance?
There’s a difference between SR22 and FR44 insurance in Florida and Virginia. Non-alcohol suspensions require an SR22 filing. However, for a DUI/DWI suspension, you’ll need to file an FR44 certificate. See Florida SR22 FR44 and Virginia SR22 FR44 Insurance for additional information.
The minimum liability coverage requirements for F44 insurance are much higher than for SR22 insurance, especially in Florida. The higher coverage significantly impacts your auto insurance rate if you own a car.
Minimum coverage requirements for FR44 insurance in Virginia are 60/120/40:
- $60,000 bodily injury per person
- $120,000 bodily injury per accident
- $40,000 property damage per accident
- $30,000 per person / $60,000 per accident uninsured motorist bodily injury
- $20,000 uninsured motorist property damage
The minimum coverage requirements in Florida are much higher: 100/300/50.
Why do I need DUI insurance?
DUI insurance is high-risk insurance for people convicted of a serious driving offense – especially DUI/DWI. The state is interested in ensuring high-risk drivers are always insured when driving a vehicle, whether they own one or not. People usually have to carry this insurance without a lapse of coverage for three years. The certificate is also a monitoring device. If coverage lapses even one time, the insurance company notifies the state DMV by filing an FR-46 form. This filing cancels the existing certificate, resulting in immediate license suspension.
Frequently asked questions about what is FR44
“Is FR44 a stand-alone insurance policy?” The answer is no. The certificate does not exist on its own. If you own a car, the document is a rider to your existing auto insurance policy. You’ll purchase a non-owner insurance policy with an FR44 attachment if you don’t own a vehicle. FR44 Non Owner Insurance (without a car) is generally cheaper than owner-operator insurance (with a car). However, when you own a vehicle, you can’t purchase a non-owner certificate to avoid paying a higher premium.
“Do I need to carry FR44 if I move out of state?” This certificate is only available in Florida and Virginia, so the coverage cannot be transferred if you move out of these states. If you carry FR44 insurance and move to another state, our agents can ensure you remain legally insured without interruption before moving.
Florida HSMV / Virginia DMV
You can find additional/related information about what is FR44 on each state’s DMV website:
- Florida: Florida DUI suspension laws
- Virginia: Reinstating driving privileges in Virginia
UltraCar Insurance specializes in providing FR44 insurance for vehicle owners and non owner FR44 Virginia / non owner FR44 Florida if you don’t own a vehicle. Do you have more questions? Let us help. Our agents are licensed in both states and can offer the lowest DUI insurance rate for your needs. Click to start a quote, or give us a call today!
Non Owner FR44 Florida
If you have a suspended license after DUI and don’t own a car, you’ll purchase non-owner FR44 Florida insurance. FR44 is a high-risk insurance certificate that’s filed with the Florida Department of Highway Safety & Motor Vehicles. This filing allows you to regain your driving privileges. In most cases, the state requires you to carry FR44 insurance for three years.
Non-owner FR44 Florida is a certificate you file with the Florida DHSMV to reinstate your license after a DUI/DWI conviction. Your insurance agent attaches the FR44 to an insurance policy. When you don’t own a vehicle, the FR44 form is attached to a non-owner policy.
Cheapest Florida Non Owner SR22 Insurance
When you’re looking for the cheapest Florida non owner SR22 insurance possible, there are quite a few factors that will determine your rate. However, if you don’t own a car your SR22 rate will be less than if you had to insure a vehicle. Non owner SR22 insurance covers you, not a particular car. So some of the vehicle-related factors that determine your rate are eliminated.
UltraCar Insurance will help you find the cheapest Florida non owner SR22 insurance for your needs. Your rate for Florida non owner SR22 insurance depends on the reason for your SR22 requirement, among other factors like:
Florida SR22 Paid In Full Insurance
After a no-insurance license suspension (not related to DUI), you’ll have to file a Florida SR22 Paid in Full certificate to reinstate it. You’ll need to contact a trusted SR22 insurance provider in Florida to buy the insurance if you own a vehicle (owner SR22) or if you don’t own a car (non- owner SR22). Paid In Full policies are also called Florida Non-Cancelable SR22 insurance. They have a six or twelve-month term and require payment when underwriting is complete.
In accordance with Florida Statute 627.7275, Florida drivers with a non-DUI, no-insurance license suspension must purchase Florida SR22 Paid in Full insurance for license reinstatement. This type of policy is non-cancelable, with a term of at least six months, and is payable in full.
