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What's the 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 two types of certificates. Call or start your quote now.

What’s the difference between SR22 and FR44 insurance?

Last updated on August 28th, 2018 by

If you’re seeking license reinstatement in Florida or Virginia, you may want to know what the difference is between SR22 and FR44 insurance. Florida and Virginia are the only states that separate certificate of financial responsibility  categories. In order to apply for license reinstatement, you will file an SR22 certificate for non-alcohol or drug related motor vehicle violations; you will file an FR44 certificate for alcohol or other substance related DUI violations.

People in Florida and Virginia who are seeking license reinstatement often ask, “what’s the difference between SR22 FR44 insurance?” Only Florida and Virginia residents need to be concerned about this difference. These are the only states that have two separate certificates of financial responsibility for license reinstatement. In Florida and Virginia, an SR22 insurance certificate is required for non-alcohol related motor vehicle violations; an FR44 insurance certificate is required for DUI or DWI violations involving alcohol or drugs.

When you’re notified that you are eligible for a restricted license, you will contact your insurance provider (or another provider if yours does not offer high risk auto insurance) to purchase an SR22 or FR44 certificate. The certificate will be attached to your auto insurance policy and filed. If you don’t own a vehicle, your SR22 or FR44 certificate will be attached and filed with a non-owner SR22 or FR44 insurance policy.

Why is there a difference between SR22 FR44 insurance?

All states have penalties with increasing severity for driving without a license, driving without insurance, excessive points, at-fault accidents, etc., as well as for DUI/DWI violations. In all states except Florida and Virginia, all vehicle offenses require SR22 insurance for license reinstatement. Florida and Virginia also have the same types of penalties with increasing severity, but have created a separate certificate, FR44, specifically for DUI and DWI offenses. This is because there is much greater potential for catastrophic and deadly consequences to result from drunk driving or impaired driving. Unfortunately, people with DUI/DWI violations are likely to repeat the behavior. Imposing much higher insurance coverage requirements provides more resources to injured parties if the driver causes another DUI accident. Additionally, the much higher premiums for FR44 insurance hopefully serves as a greater deterrent to not continue to drive intoxicated.

Difference between SR22 FR44 insurance coverage requirements

Another difference between SR22 FR44 insurance is the minimum liability coverage requirement. As you can see below, there is quite an increase in the amount of insurance coverage you must carry in order to reinstate your license after a DUI violation. In addition, you will likely have somewhat higher insurance premiums while carrying SR22 insurance, and significantly higher premiums while required to carry FR44 insurance – usually double.

SR22 FR44 Florida: For standard and SR22 insurance the minimum liability requirement is 10/20/10. For FR44 insurance the minimum liability requirement is 100/300/50.

SR22 FR44 Virginia: For standard and SR22 insurance the minimum liability requirement is 25/50/20. For FR44 insurance the minimum liability requirement is 50/100/40.

More information about the difference between SR22 FR44 insurance

For more information regarding the difference between SR22 FR44 insurance in Florida and Virginia, see these pages on the states’ websites:

The following articles on our site provide additional or related information about Florida SR22 insurance, Florida DUI insurance, Virginia SR22 insurance and Virginia DUI insurance:

UltraCar Insurance specializes in filing Florida and Virginia SR22 and FR44 high risk insurance certificates. Our licensed agents can answer any further questions you have about the SR22 FR44 difference, find you the lowest rate possible and quickly submit your filing to the state. Start a quote now or call us today!

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