News Archives

This is the News Archives for UltraCar Insurance. Your source for SR22 & FR44 Insurance.

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!

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SR22 Colorado

SR22 Colorado is a certificate of financial responsibility form the state requires for license reinstatement. An insurance provider attaches this form to an insurance policy. To ensure your policy stays current, the issuing insurance company monitors it during the time the state requires you to carry it. When you own a vehicle, the SR22 form is an endorsement to your auto insurance policy. If you don’t own a car, the form is a rider to a non-owner insurance policy.

Certain traffic offenses and violations of Colorado DUI laws can result in suspension of your driver’s license. To reinstate your license, you’ll have to file an SR22 Colorado certificate with the DOR. You probably have many questions come to mind after a driver’s license suspension.

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SR22 Maine

SR22 Maine is a certificate of financial responsibility. When you file the certificate with the state, it’s considered a guarantee of liability insurance coverage for a specific time. An SR22 certificate allows you to drive legally, as long as the insurance policy it’s tied to is kept in force.

To reinstate your license, the Maine Bureau of Motor Vehicles (BMV) requires you to file an SR22 Maine certificate when you become eligible. Common reasons for license suspensions include:

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SR22 Oregon

The most common reason people require SR22 Oregon insurance is to reinstate their driving privileges after license suspension. SR22 insurance is required for various reasons, most of them due to motor vehicle violations. Sometimes a court will require someone to carry SR22 insurance in connection with other legal matters. You can file an SR22 certificate if you own a vehicle or not.

When you’re eligible for license reinstatement, UltraCar Insurance quickly files an SR22 Oregon insurance certificate with the Oregon DMV. The SR22 document is also called a Uniform Financial Responsibility Form.

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Our agents explain the difference between SR22 owner and non-owner insurance.

Non Owner SR22 vs SR22 Insurance

When do you need non-owner SR22 vs SR22 insurance? It depends on whether you own a vehicle or not. There are differences in coverage between each type of SR22. Non-owner SR22 does not insure a vehicle, while SR22 insurance is an endorsement to an auto insurance policy. The most common reason to buy SR22 insurance is to reinstate your driver’s license.

What’s the difference between non owner SR22 vs SR22 insurance? You’ll use SR22 insurance if you own a vehicle, and SR22 non owner insurance if you don’t.

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Our agents will help you buy SR22 insurance without a vehicle.

Can you buy SR22 insurance without a vehicle?

When you buy SR22 insurance without a vehicle, an insurance provider will write a non-owner insurance policy with an SR22 attachment. They will file the certificate with the state DMV, allowing you to reinstate your driver’s license. Non-owner SR22 insurance must be kept in force the entire time your state requires it.

If you currently have an owner SR22 filing and decide to sell your car, can you buy SR22 insurance without a vehicle? The answer is yes, but you should contact your insurance provider beforehand to stay in compliance with your SR22 insurance requirement. SR22 without a car is known as non-owner SR22 insurance.

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For Virginia license reinstatement after a DUI, you'll need FR44 insurance.

What is FR44 Virginia?

FR44 Virginia is a certificate of financial responsibility. After a DUI or DWI conviction, you can reinstate your license when you file this document with the DMV. The high-risk FR-44 and SR-22 insurance certificates in VA are attached to an auto insurance policy if you own a vehicle or a non-owner insurance policy if you don’t. To avoid another license suspension, you must stay current with your Virginia FR44 insurance payments.

Drivers who commit an alcohol-related motor vehicle offense must buy FR44 Virginia insurance to reinstate their license.

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No Car SR22 Texas Insurance

When you’re eligible to reinstate your suspended license, you’ll need to buy No Car SR22 Texas insurance. Also called non owner SR22 insurance, it is secondary liability insurance that supplements a vehicle owner’s auto insurance. A non-owner policy is liability-only insurance that covers you when you drive a borrowed vehicle. It pays claims that may exceed a vehicle owner’s insurance coverage if you cause an accident while driving their car.

No Car SR22 Texas is a financial responsibility form the state requires to reinstate a suspended driver’s license. In many cases, people who don’t own a car still have a driver’s license – for identification, to drive a borrowed car, or other reasons. When the state suspends your license, you’ll have to file a Texas non-owner SR22 certificate with DPS to reinstate it.

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How SR22 insurance costs are determined

Determining someone’s SR22 insurance costs involves factors that vary from person to person. Therefore, insurance providers can’t quote a single “lowest” SR22 insurance rate for everyone. Insurance underwriters consider each person’s years of driving experience, credit history, place of residence, age, and driving record in determining their SR22 rate.

SR22 insurance costs are generally higher than standard auto insurance because SR22 insurance is considered high risk insurance. People with a record of motor vehicle violations will have higher SR22 insurance rates.

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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.

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