Frequently Asked Questions

Get quick answers to frequently asked questions about SR22 & FR44 insurance. Talk with an agent to get a quote today!

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Customer gets answers to frequently asked questions about SR22 insurance.

Looking for answers to frequently asked questions about SR22 and FR44 insurance?

Updated February 20th, 2022 by

When your state notifies you to get SR22 insurance, you probably have a lot of questions. The same goes for FR44 insurance if you live in Florida or Virginia. So it’s helpful to get the answers you’re looking for in one place. After a license suspension, you’ll need to buy SR22 (or FR44) insurance to reinstate your license. There are two kinds of certificates – for vehicle owners and non-owners.

Understanding high-risk insurance can sometimes be challenging, so we get lots of frequently asked questions about SR22 and FR44 insurance in talking with our customers. For instance, many people want to know how to get lower insurance rates or what happens with their SR22 requirement if they move to another state. The information provided here will help you better understand how high-risk insurance works and how it allows you to regain your driving privileges.

Click on the links below for answers to SR22 and FR44 frequently asked questions.

More SR22 and FR44 information is provided on our SR22 Information Resources page as well.

Frequently asked question – what is SR22 and FR44 insurance?

States that require high-risk insurance after a license suspension require an SR22 filing for any kind of motor vehicle violation. Florida and Virginia require an SR22 filing after non-alcohol-related violations; but after a DUI offense, these two states want an FR44 filing for license reinstatement.

Two kinds of SR22 and FR44 insurance

Another frequently asked questions concerns the two kinds of SR22 and FR44 insurance and certificate. You’ll need owner/owner-operator insurance if you own a car, with the certificate attached to your auto policy. If you don’t own a vehicle, you’ll get a non-owner insurance policy and attach your certificate to it.

These frequently asked questions are a quick introduction to SR22/FR44 insurance. Our agents look forward to talking with you and will make your certificate filing quick and easy! UltraCar Insurance provides SR22 insurance in 34 states and FR44 insurance in Florida and Virginia, so call or start an online quote today.