What is FR-44 Insurance?

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What is FR-44 Insurance?

What is FR-44 Insurance?

FR-44 is an insurance certificate that’s only available in Florida and Virginia. Virginia was the first state to implement an FR-44 insurance program, and Florida adopted it shortly after.

Like the SR-22, it’s a financial responsibility certificate. However, the FR-44 insurance certificate is exclusively reserved for DUI or DWI convictions.

Drivers convicted of DUIs or DWIs can have their licenses suspended by Virginia or Florida DMV. You’ll need FR-44 insurance for license reinstatement following alcohol and drug-related suspension.

How Does It Differ from SR-22 Insurance?

The first thing to note is that FR-44 insurance is only available in two states: Virginia and Florida. On the other hand, SR-22 insurance is required in 42 out of fifty states. It’s also available in Virginia and Florida.

Most states will require you to get SR-22 insurance for traffic violations. Drivers with a poor track record of excessive demerit points, driving without insurance, or driving without a valid license will have their licenses suspended by their state’s DMV. They’ll need SR-22 insurance for license reinstatement.

States other than Florida and Virginia will also require drivers to get SR-22 insurance for alcohol and drug-related incidents. Therefore, you’ll need SR-22 insurance in these states if you’ve been convicted of a DUI or DWI.

Florida and Virginia categorize DUI and DWI convictions differently, requiring an FR-44 insurance certificate.

What are the Minimum Liability Coverages for FR-44 Insurance?

Minimum liability coverages for FR-44 insurance differ in Virginia and Florida. Virginia, for instance, has twice the minimum liability coverage for FR-44 than SR-22. You’ll need $60,000 in bodily injury per accident coverage, $120,000 bodily injury liability for injuries in an accident, and $40,000 in property damage per accident.

On the other hand, Florida’s minimum liability coverage for FR-44 insurance is significantly higher. You’ll need $100,000 in bodily injury per accident coverage, $300,000 in bodily injury liability for injuries in an accident, and $50,000 in property damage per accident.

How Much Does FR-44 Insurance Cost?

It’s important to understand that an FR-44 insurance certificate doesn’t replace your auto insurance. It’s a financial responsibility form that proves you meet your state’s minimum liability coverages. You’ll still need auto insurance to drive. The bad news is that your insurance premiums will significantly increase since DUI and DWI convictions are treated very seriously by insurance providers.

You can expect your insurance premiums to rise by 50 to 80 percent if carrying FR-44 insurance.

Will I Need an Ignition Interlock Device Installed in my Vehicle?

It’s not uncommon for courts to order the installation of an ignition interlock device in your registered vehicles as part of the license reinstatement process after getting FR-44 insurance.

The ignition interlock device is a breathalyzer attached to your steering wheel. It requires drivers to blow into it before starting the car. The ignition interlock device prevents the engine from turning on if it detects alcohol.

UltraCar Insurance has partnered with Intoxalock to provide ignition interlock devices to customers. Intoxalock is the industry leader in ignition interlock devices and has over 5,000 locations nationwide.

For Non-Owners:

What is Non-Owner FR-44 Insurance, and How Does It Differ from Standard FR-44 Insurance?

Non-owner FR-44 insurance is similar to standard FR-44 insurance, except for drivers who don’t own a vehicle. Let’s assume you and your partner share a vehicle registered under their name. You’ll need non-owner FR-44 insurance to drive the vehicle following license reinstatement after a suspension for a DUI or DWI conviction.

It’s important to note that while Florida’s minimum liability coverage for non-owner FR-44 insurance is the same, Virginia’s slightly differs. You’ll need $50,000 in bodily injury per accident coverage, $100,000 in bodily injury liability for injuries in an accident, and $40,000 in property damage per accident.

UltraCar Insurance can help you with same-day filing for non-owner FR-44 insurance in Virginia and Florida.

FR-44 Insurance FAQ

FR-44 is an insurance certificate that’s only available in Florida and Virginia. Virginia was the first state to implement an FR-44 insurance program, and Florida adopted it shortly after.

Like the SR-22, it’s a financial responsibility certificate. However, Florida and Virginia use the FR-44 insurance certificate exclusively for license reinstatement after DUI or DWI convictions. Florida drivers who flee or attempt to elude an officer will also have their license suspended, requiring them to file an FR-44 for reinstatement.

The first thing to know is that FR-44 insurance is only available in two states: Virginia and Florida. An FR-44 filing is specifically for DUI and DWI-related license suspensions. However, for suspensions not related to alcohol or drugs, these two states require SR-22 insurance for license reinstatement. Typical reasons for SR-22 insurance are to reinstate a driver’s license after suspension for:

  • Multiple routine traffic violations
  • Driving without insurance
  • Driving without a valid license

Other states require SR-22 insurance for all license suspensions reasons. Those reasons range from routine violations that add too many points to a driver’s record to DUI/DWI convictions.

In Florida and Virginia, minimum liability coverage requirements differ between SR-22 and FR-44 insurance.

Virginia, for instance, has twice the minimum liability coverage for FR-44 than SR-22. Virginia FR-44 insurance policies must have minimum liability coverage of:

  • $60,000 bodily injury per person
  • $120,000 bodily injury per accident
  • $40,000 property damage per accident

On the other hand, Florida’s minimum liability coverage for FR-44 insurance is significantly higher. Florida FR-44 policies require minimum coverage of:

  • $100,000 in bodily injury per person
  • $300,000 in bodily injury per accident
  • $50,000 in property damage per accident
  • $20,000 uninsured motorist property damage

UltraCar Insurance will find you the lowest possible rate for your FR-44 insurance requirement.

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.

In conjunction with requiring FR-44 insurance, it’s typical for courts to order installation of an ignition interlock device in the vehicle you drive as part of the license reinstatement process.

The ignition interlock’s breathalyzer connects to the ignition of  your car. You must blow into it before starting the engine. If the breathalyzer sample detects any measurable alcohol, the engine will not start.

UltraCar Insurance partners with Intoxalock to make it easy for our customers fulfill their IID requirements. Intoxalock is the industry leader in ignition interlock devices and has over 5,000 locations nationwide.

Non-owner FR-44 insurance serves the same role as owner-operator FR-44 insurance. The difference is that non-owner insurance allows drivers who don’t own a vehicle to reinstate their license. It covers the policyholder when they operate a borrowed car. If you plan to drive any non-owned vehicle after a DUI/DWI license suspension, you’ll need to carry non-owner FR-44 insurance.

Non-owner FR44 insurance is not blanket coverage for any car you drive. Non-owner insurance coverage is specific and limited in scope. It’s for drivers who don’t own a vehicle but may occasionally borrow a car from someone who doesn’t live in the same household. The driver must ensure the borrowed vehicle has insurance coverage. Ensuring that the vehicle’s insurance card and registration are in the glove compartment is also important. It is against the law to operate an uninsured vehicle – even if you have non-owner FR44 insurance. A non-owner FR44 policy only covers bodily injury and property damage to the other party if you cause an accident. Because non-owner insurance does not cover a borrowed vehicle, you cannot get it with comprehensive and collision coverage.

Florida’s minimum liability coverage for non-owner FR-44 insurance is the same as FR-44 auto insurance. However, Virginia’s required FR-44 coverage slightly differs. FR-44 non-owner insurance must have minimum coverage of:

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury liability per accident
  • $40,000 in property damage per accident

UltraCar Insurance provides same-day filing for non-owner FR-44 insurance in Virginia and Florida.

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