What is FR44?

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What is FR44 insurance in Florida and Virginia?

What is FR44?

What is FR44? Florida and Virginia have two separate certificates for license reinstatement. One, SR22, is for motor vehicle violations not related to alcohol or drugs. The other, FR44, is for DUI- related offenses. To reinstate your license after a DUI or DWI conviction, you need to file an FR44 certificate with the state.

What is FR44? In Florida and Virginia, it’s a financial responsibility form you need to buy after a DUI/DWI to reinstate your license. Florida and Virginia are the only states that require this form specifically for DUI/DWI offenses. On January 1, 2008, Virginia was the first state to introduce it, and Florida became the second state to adopt it.

What is FR44 insurance?

In Florida and Virginia, there’s a difference between SR22 and FR44 insurance. Non-alcohol suspensions require an SR22 filing. However, for a DUI/DWI suspension, you’ll need to file an FR44 certificate. See Florida SR22 FR44 and Virginia SR22 FR44 Insurance for additional information.

The minimum liability coverage requirements for F44 insurance are much higher than for SR22 insurance, especially in Florida. The higher coverage significantly impacts your auto insurance rate if you own a car.

Minimum coverage requirements for FR44 insurance in Virginia are 60/120/40:

  • $60,000 bodily injury per person
  • $120,000 bodily injury per accident
  • $40,000 property damage per accident
  • $30,000 per person / $60,000 per accident uninsured motorist bodily injury
  • $20,000 uninsured motorist property damage

In Florida, the minimum coverage requirements are much higher: 100/300/50.

Why do I need DUI insurance?

DUI insurance is high risk insurance for people convicted of a serious driving offense – especially DUI/DWI. The state has an interest in making sure high-risk drivers are always insured when driving a vehicle, whether they own one or not. People usually have to carry this insurance without lapse of coverage for three years. The certificate is also a monitoring device. If coverage lapses even one time, the insurance company notifies the state DMV by filing an FR-46 form. This filing cancels the existing certificate, resulting in immediate license suspension once again.

Frequently asked questions about what is FR44

“Is FR44 a stand-alone insurance policy?” The answer is no. The certificate does not exist on its own. If you own a car, the document is an addendum to your existing auto insurance policy. If you don’t own a vehicle, you’ll purchase a non-owner insurance policy with an FR44 attachment. In general, FR44 Non Owner Insurance (without a car) is cheaper than owner-operator insurance (with a car). However, when you own a vehicle, you can’t purchase a non-owner certificate to avoid paying a higher premium.

“Do I need to carry FR44 if I move out of state?” This certificate is only available in Florida and Virginia, so the coverage cannot be transferred if you move out of these states. If you carry FR44 insurance and move to another state, our agents can make sure you remain legally insured, without interruption, before you move.

Florida HSMV / Virginia DMV

You can find additional/related information about what is FR44 on each state’s DMV website:

UltraCar Insurance specializes in providing FR44 insurance for vehicle owners, and non owner FR44 Virginia / non owner FR44 Florida if you don’t own a vehicle. Do you have more questions? Let us help. Our agents are licensed in both states and can offer the lowest DUI insurance rate for your needs. Click to start a quote or give us a call today!

This article was last updated on January 7th, 2022 by