Difference between SR22 FR44 insurance

What’s the difference between SR22 and FR44 insurance?

Do you need SR22 or FR44 insurance? Learn the difference between these certificates, then call or click to start a quote today.

What’s the difference between SR22 and FR44 insurance?

Last updated on August 17th, 2019 by

In Florida or Virginia, you’ll need to know the difference between SR22 and FR44 insurance to reinstate your license. These are the only two states that have separate high risk insurance categories for license reinstatement. You’ll file an SR22 certificate for non-alcohol or drug related motor vehicle violations; or an FR44 certificate for alcohol or other substance-related DUI violations.

Florida and Virginia residents who want to reinstate their license often ask, “what’s the difference between SR22 FR44 insurance?” These are the only states with two types of license reinstatement certificate. In Florida and Virginia, the SR22 insurance certificate is filed for non-alcohol related motor vehicle violations. The FR44 insurance certificate is filed for DUI or DWI violations.

The costs associated with DUI insurance Florida FR44 are among the highest in the nation, and you’ve probably wondered why. Even standard auto insurance in Florida is much more expensive than in other states. An obvious contributor to the high cost of Florida auto insurance is the state’s unpredictable weather, especially hurricanes. Just one hurricane in a year can cause an avalanche of claims that result in premium adjustment increases statewide. But a major reason that Florida auto insurance rates are higher than in other states is the Florida No Fault Law, which allows PIP (personal injury protection) claims. (more…)

If you’re required to carry Florida FR44 insurance and you own a motorcycle, UltraCar Insurance can issue a Florida FR44 motorcycle insurance certificate tied to your motorcycle, scooter, or moped to file with the Florida DHSMV. (more…)

The simple answer to what is FR44 is that it’s a certificate of financial responsibility required for license reinstatement after DUI/DWI offenses. Just two states require FR44 certificates specifically for DUI/DWI offenses – Florida and Virgina. Virgina was the first state that introduced the FR-44 on January 1, 2008, and Florida became the second state to adopt the FR-44 for approving license reinstatements connected to alcohol or drug related traffic offenses. (more…)

If you don’t own a vehicle yourself, but your driver’s license has been suspended for a DUI or DWI offense while driving another person’s vehicle, you’ll have to purchase a type of high risk insurance called non owner FR44 Florida. The FR44 certificate is filed with the Florida DHSMV for the purpose of license reinstatement during your suspension period. (more…)

UltraCar Insurance will help you find the cheapest Florida non owner SR22 insurance for your needs. As with all types of high risk car insurance, the price you will pay for Florida non owner SR22 insurance will depend on your particular requirements, and in what part of the state you reside. SR22 non owner car insurance is usually the cheapest form of SR22 insurance to buy, since a car is not being insured – rather you are being insured to drive a non owned vehicle. (more…)

Effective May 4, 2012, Florida statute 627.7275 requires all Florida SR22 and FR44 high risk auto insurance policies to be written for a six month period, and to be paid in full for a six month period. Florida SR22 Paid In Full policies cannot be canceled after the first 60 days of the six month policy period. If the policy is canceled at any time within the first 60 days, the first 60 days of the six month premium is forfeited. (more…)

The state of Florida enforces a tough DUI law for drivers under the age of 21 called the Florida Zero Tolerance Law. If you are under 21, stopped by an officer and tested at a .02 or higher blood alcohol content level, you face an automatic 6-month license suspension. For drivers under age 21, a BAC of .02 essentially means that driving after just one drink is enough to be in violation of the Florida Zero Tolerance Law. (more…)

The penalties for driving under the influence of alcohol or drugs in Florida are costly in many ways. It is worth thinking ahead of time to make arrangements for a designated driver in order to avoid the monetary and personal losses that a Florida DUI conviction can bring. In Florida, a second DUI conviction results in a Florida ignition interlock device being installed for at least one year in the vehicle the driver operates. (more…)

In order to deter people from driving drunk or impaired, Florida DUI penalties that are imposed on drivers with a first DUI conviction may include any of the following:

  • Automatic 6-month driver’s license suspension
  • Hefty fines ranging between $250-$500 or higher
  • Florida DUI driver improvement courses
  • Assignment to community service
  • Imprisonment up to 6 months (or up to 9 months if there was a minor in the vehicle)
  • Probation and/or license revocation



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