In Virginia and Florida, alcohol and drug-related traffic violations require an FR-44 certificate filing to reinstate a driver’s license. People who own a motorcycles can attach an FR-44 certificate to their motorcycle policy in Virginia but not in Florida. High-risk FR-44 motorcycle insurance costs significantly more than standard or SR-22 insurance.
FR-44 motorcycle insurance costs generally depend on these factors:
- Whether you live in a rural or urban area
- Your age
- Driving history
- Circumstances of your DUI or DWI conviction
- The type of motorcycle
- The motorcycle’s engine size