It’s important to understand that an FR-44 insurance certificate doesn’t replace your auto insurance. You’ll still need auto insurance to drive. The FR-44 certificate is an endorsement to your auto or non-owner insurance policy. It’s a financial responsibility form that proves you meet your state’s increased minimum liability coverage requirement.
The bad news is that your insurance premiums will significantly increase since the state and insurance providers treat DUI and DWI offenses seriously. You can expect your insurance premiums to rise by 50 to 80 percent when you carry FR-44 insurance.
