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.
FR44 Insurance Archives
This is the FR44 Insurance Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.
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.
What To Know About High-Risk Auto Insurance Companies
Many standard insurance companies lower their risk of loss by setting higher premiums for drivers with substandard driving records and license suspensions. Experienced high-risk auto insurance companies can write more affordable SR22 and FR44 insurance policies for these drivers.
This blog post explores high-risk auto insurance companies and providers. We’ll explain why they’re your best option for high-risk auto insurance coverage. So buckle up and get ready to discover what SR22 and FR44 insurance providers offer!
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,
Can I get Virginia FR44 motorcycle insurance?
Virginia FR44 motorcycle insurance may be a less costly option to reinstate your license after a Virginia DUI suspension. Endorsing an FR44 certificate to a motorcycle insurance policy can cost less than endorsing it to an auto policy. Since FR44 insurance is usually required for an average of 3 years, that can make a difference to your budget.
If you own a motorcycle and need to file a Virginia FR44 Insurance certificate, you can obtain Virginia FR44 motorcycle insurance. UltraCar Insurance can endorse your FR44 certificate to a motorcycle insurance policy.
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.
Currently, we do not offer Florida FR44 or SR22 motorcycle insurance.
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!
State DMV Offices List
The list below includes links to the websites of 34 state DMV offices. These are the states where UltraCar Insurance is licensed to sell high-risk insurance. When you need SR22 or FR44 insurance, getting accurate information is essential. You can learn about the license suspension and reinstatement procedures in your state on these official websites. In many cases, you can also find information about your state DMV record, state’s motor vehicle laws, regulations, and other resources.
Are you wondering where to turn to start the process of driver’s license reinstatement? Our alphabetical list of links to state DMV offices is a
States we offer SR22
The states we offer SR22 insurance are listed below, and we file FR44 insurance certificates for DUI offenses in Florida and Virginia. You will need to file an SR22 insurance certificate to reinstate your driver’s license. We’ll find you the cheapest SR22 or FR44 insurance rate for your needs. If you don’t own a vehicle, we write non owner SR22 and FR44 insurance policies in these states (non owner FR44 in Florida and Virginia only).
How to Apply
How to apply for SR22 / FR44 or SR50 insurance, motorcycle insurance, commercial auto insurance or general liability insurance is easy! Just click on the START YOUR QUOTE button above, complete a small amount of information and select the insurance you need.
