What’s The Cost of FR-44 Motorcycle Insurance?

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

How Much Does SR-22 Motorcycle Insurance Cost?

You’ll need SR-22 insurance for license reinstatement following a suspension for any reason. The cost of SR-22 motorcycle insurance depends on various factors, including:

  • The state requiring the SR22 filing
  • Motorcycle age and type
  • The motorcycle coverage options you choose
  • Circumstances of your license suspension
  • Your driving history
  • Your age
  • Gender and marital status
  • Credit history

These are the same variables that insurance companies use when determining standard insurance rates. Usually, the cost of SR22 motorcycle insurance is somewhat higher than a standard motorcycle policy, but cheaper than SR22 auto insurance rates.

How Can You Lower Your Motorcycle Insurance Premiums?

Motorcycle insurance premiums substantially increase if you have a poor driving record due to multiple traffic violations or DUI convictions. You can keep your insurance payments low by avoiding accidents, traffic tickets, and driving under the influence.

Other ways to lower your insurance premiums include:

  • Taking certification classes or training programs
  • Buying a less expensive bike
  • Improving your credit score

Purchasing only the minimum liability insurance coverage or opting for a higher deductible can also help reduce your motorcycle insurance costs.

What Types of Motorcycles Can You Insure?

UltraCar Insurance covers many types of motorcycles, including:

  • Cruisers: We cover cruisers that feature V-twin and full-view engines.
  • Sport bikes: We insure high-performance, high-speed motorcycles called street bikes.
  • Touring bikes: Our coverage extends to motorbikes made for long-distance traveling. Coverage for touring bikes differs from sport bikes.
  • Customized motorcycles: If you own a customized motorcycle built for you by a manufacturer, a shop, or yourself, we can insure it for you.
  • Mopeds: Mopeds are lightweight motorcycles featuring small engines, and are very affordable to insure

If you require an SR22 insurance filing for license reinstatement, we can attach the certificate to your motorcycle policy. And in Virginia, an FR44 certificate can be endorsed to your policy. It’s a cost-effective way to comply with your state’s liability insurance requirement.

What Does Motorcycle Insurance Cover?

Motorcycle insurance extends to the ride, the bike, and others on the road. All motorcycle insurance policies cover property damage and bodily injury liability. In addition, motorcyclists can select other options that allow them to customize their coverage.

UltraCar Insurance offers the following motorcycle coverage options:

  • Bodily Injury
  • Collision
  • Comprehensive
  • Medical Payments
  • Passenger Liability
  • Accessory
  • Uninsured or underinsured motorist coverage
  • Agreed value settlement
  • Roadside assistance

And remember – if you have a suspended license, most states allow you to endorse an SR-22 certificate (or FR-44 certificate in Virginia) to a motorcycle policy for license reinstatement.

What is Motorcycle Insurance?

Motorcycle insurance refers to liability-only or full coverage insurance that financially protects motorcyclists and their bikes. Minimum liability insurance covers liability for property damage and bodily injury to others caused by the policyholder when operating their motorbike. UltraCar Insurance offers standard motorcycle insurance policies with many coverage options.

In addition, you can attach a high-risk SR-22 certificate to your motorcycle policy to reinstate your driver’s license. In Virginia, we can add an FR-44 insurance certificate to your motorcycle policy to reinstate your license after a DUI.