What is FR44 insurance? Many states offer an SR22 insurance program that enables drivers to reinstate their licenses after a suspension. Most of the time, people need SR22 insurance due to motor vehicle offenses or legal judgments. However, Florida and Virginia have two high-risk insurance certificates. One (SR22) is for non-alcohol or drug-related suspensions; the other (FR44) is for DUI/DWI-related suspensions.
Virginia was the first state to implement an FR44 insurance program, and Florida was the second state to adopt it. FR44 is a financial responsibility certificate filed with the Florida or Virginia DMV after a DUI or DWI conviction. After the DMV processes your filing, it will reinstate your driving privileges.
We’re all capable of making the wrong decision to drink and drive. If you made that decision, you understand that a DUI conviction has adverse personal and financial effects on your life. Our licensed UltraCar Insurance agents do their best to find you the lowest FR44 insurance rate for your situation. We’ll help make the license reinstatement process as quick and easy as possible.
How does FR44 insurance work?
An FR44 filing allows the reinstatement of your driving privileges. It also guarantees that you’ll maintain the insurance during a specific time. The insurance company closely monitors the insurance policies tied to Virginia and Florida FR44 certificates. If a policy lapses, the insurance provider notifies the state immediately, resulting in license suspension. The state usually requires people to carry this insurance for three years without lapse in coverage.
What happens to your FR44 if you move out of state? You should not cancel your insurance policy before your FR44 obligation has ended. If you anticipate moving from Florida or Virginia to another state, please consult with your insurance provider so you’ll stay in compliance and avoid another license suspension.
How much does FR44 insurance cost?
FR44 insurance costs more than SR22. That’s because the minimum liability coverage requirements are higher after a DUI conviction.
- Minimum liability coverage for Virginia FR44 insurance is $60/$120/$40.
- Minimum liability coverage for Florida FR44 insurance is $100/$300/$50.
Your insurance premiums will increase for FR44 insurance, partly due to the higher minimum coverage requirements. Underwriters also take several individual factors into account when determining your insurance rate. Some of these factors include your driving record, years of driving experience, age, marital status, and where you live (in an urban or rural area).
In some circumstances, you’ll need to install an ignition interlock device (IID) in your vehicle as part of the license reinstatement process. To assist our customers who need an IID, UltraCar Insurance partners with Intoxalock® ignition interlock services.
Owner and Non-Owner Insurance Policies
First, you’ll need a liability-only or full coverage insurance policy if you own a car. The FR44 certificate is an endorsement to the policy.
You can also purchase this insurance without a vehicle. If you don’t own a car, you’ll need to buy a non-owner FR44 policy, which will have liability-only coverage. A non-owner policy cannot contain comprehensive or collision coverage since it does not insure a vehicle.
FR44 Motorcycle Insurance
If you own a motorcycle in Virginia, you can endorse the FR44 certificate to your motorcycle insurance policy.
For more information, don’t hesitate to call us. We’ll help you get the cheapest FR44 insurance rate for your needs. You can also contact us or click the quote button to get started. UltraCar Insurance agents have licenses in Florida and Virginia and offer fast electronic filing of your certificate.
This article was last updated on May 23rd, 2022 by UltraCar Insurance