FR44 DUI Insurance: Everything You Need to Know

Florida & Virginia require drivers to have FR44 insurance for license reinstatement after a DUI. Get a quote by phone or online!

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FR44 DUI Insurance: Everything You Need to Know

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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.

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.
But don’t worry—we’re here to guide you through the FR44 DUI insurance process. You’ll learn what it is, how it works, and how to get the lowest rate. We’ll ease your mind by ensuring you have all the information necessary to make informed decisions.

Understanding FR44 Insurance Requirements

Navigating FR44 insurance requirements can be complex. When you’re dealing with the personal and financial results of a DUI, it isn’t easy to focus on them. Understanding what an FR44 policy is and why you need it can help ease some pressure. In Florida and Virginia, FR44 is a form that verifies you have the required liability coverage after a DUI. This coverage typically has higher liability limits than standard auto policies. That’s because it provides more financial protection for you and other drivers.

Photo of a high-risk auto insurance policy that fulfills the requirements for FR44 insurance.

Obtaining an FR44 policy is not just about meeting legal requirements. It’s also about taking steps to protect yourself and others while driving. By understanding these requirements and working with an experienced insurance agent, you can ensure you always have the proper coverage. A knowledgeable high-risk auto insurance agent can also help you get the lowest rate possible for your FR44 policy. UltraCar Insurance is here to guide you through this process, cover all the bases, and provide affordable FR44 insurance quotes.

NOTE: In Florida & Virginia, non-alcohol/non-drug-related traffic violations require an SR22 insurance filing for license reinstatement.

How High-Risk Auto Insurance Works

FR44 insurance is a financial responsibility filing. Florida and Virginia require individuals convicted of a DUI (Driving Under the Influence) or certain other offenses to have this certificate on file for a specific time. The filing guarantees you the liability insurance coverage required for license reinstatement. It proves you’re financially responsible and capable of covering damages or injuries that may occur in the event of an accident.

To obtain FR44 insurance, you must work with an authorized auto insurance provider to file the necessary forms with the Department of Motor Vehicles. Not all insurance companies offer FR44 policies, so you may need to research to find a provider specializing in this type of coverage. A DUI conviction on your driving record signifies increased risk, so premiums are often higher than traditional auto insurance rates. However, by maintaining good driving habits and completing any required education courses related to DUI offenses, you may eventually see a decrease in your premiums over time.

On your own, finding suitable FR44 DUI insurance and filing your certificate with the state can sometimes be nerve-wracking. Understanding how it works and choosing a knowledgeable, licensed insurance provider specializing in high-risk drivers’ policies help make the process more manageable. Remember – each state has specific requirements regarding FR44 filings, so follow their guidelines carefully to ensure compliance and maintain proper coverage.

Tips for Finding Affordable FR44 DUI Insurance

Finding affordable FR44 insurance after a DUI conviction can seem daunting. Still, there are steps you can take to help lower your premiums. High-risk insurance companies have various criteria for determining rates. UltraCar Insurance can help you by finding a rate that fits your budget. We compare quotes from multiple insurance companies to find the best rate for your situation. We can also suggest other ways to reduce your costs, such as raising your deductible or opting for a more basic coverage plan.

A person holding cash they will need to buy FR44 DUI insurance.

Another tip for finding affordable FR44 insurance is to take advantage of any discounts available. Some insurance companies offer discounts for completing defensive driving courses or installing safety features in your vehicle. By taking advantage of these discounts, you can lower your premium significantly. Maintaining a good driving record from now on is essential, as this can help improve your rates over time. With some research and planning, you can find an affordable FR44 policy that meets your needs without breaking the bank.

FR44 insurance when you don’t own a car

Do You Need An Ignition Interlock Device?

Getting an FR44 policy after a DUI violation is about complying with state laws and requirements and finding the right insurance coverage. Most states require the installation of an ignition interlock device (IID) in your vehicle after a drug or alcohol-related conviction. An IID is a breathalyzer that prevents your car from starting if it detects alcohol on your breath. While installing an IID may seem like another added stress, try to see it as a positive step towards ensuring your safety on the road.

Get an Intoxalock® Ignition Interlock Device

An ignition interlock device installed in your vehicle helps you meet legal requirements and is a personal reminder to avoid drinking and driving. Using this technology, you’re taking responsibility for your actions and committing to safer driving practices. Additionally, having an IID may lead to lower insurance rates as insurance companies see it as a proactive measure to reduce risks associated with drunk driving incidents. Needing an ignition interlock device can feel burdensome at first. However, it ultimately serves as a valuable tool that promotes safe and responsible driving behavior and can lead to positive changes in your life.

Two happy people in a car gesturing thumbs up after driver's license reinstatement with FR44 DUI insurance.

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Your Source For FR44 DUI Insurance

UltraCar Insurance has provided FR44 DUI insurance in Florida and Virginia since 2012. Our agents will answer your questions, offer advice and suggestions, and simplify the license reinstatement process. You can be confident working with us for all your auto insurance needs. And you’ll pay no filing, processing, or hidden fees. Call or get an online quote today!

This article was last updated on April 18th, 2024 by