FR-44 insurance isn't a type of insurance. It's a certificate of financial responsibility that may be required after a DUI/DWI conviction. FR-44 insurance in Florida and Virginia is used to reinstate a license after suspension. FR-44 minimum coverage requirements are higher than state minimum coverage requirements. Because of this and the risk associated with drivers required to obtain an FR-44, cheap FR-44 insurance is difficult to find, and rates could be up to 45% higher than for average drivers.
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UPDATED: Feb 17, 2021
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- An FR-44 is a certificate of financial responsibility rather than actual insurance coverage
- It costs between $15 and $25 to obtain an FR-44, but insurance costs are an average of 45 percent higher than for typical drivers
- An FR-44 is only required in Florida and Virginia
If you’ve been notified that you’re required to obtain FR-44 insurance, you may be wondering what it is, how to get it, why you need it, whether you’ll be able to compare car insurance quotes for coverage and more. Read this article to answer all of your FR-44 (and FR 44) insurance questions.
Need to buy FR-44 insurance? You can use your ZIP code in the tool on this page to get started with free FR-44 insurance quotes today.
What is FR-44 insurance?
FR-44 insurance is one of Florida and Virginia’s certificate of financial responsibility (CFR) requirements.
An FR-44 is proof that you’re carrying the necessary insurance coverage to be legally out on the road, rather than actual insurance coverage.
FR-44s are only required in Florida and Virginia, usually due to a DUI/DWI conviction. FR-44 insurance in Florida is necessary to reinstate a driver’s license after it was suspended due to a DUI conviction. In Virginia, the FR-44 requirement calls out more specifics, including if someone is injured as the result of a DUI and driving with a suspended license.
Because FR-44 insurance is state-required in certain circumstances, you’ll be required to maintain it for about three years, and you can’t cancel the policy.
How do you get an FR-44?
When you need an FR-44, contact your insurance company. Your insurer will obtain the paperwork and file it with the state. This will only cost you between $15 and $25, but your insurance rates will take a hit. Keep reading to see what we mean.
How much does FR-44 insurance cost?
As you might expect, if you get a DUI/DWI, your insurance rates will increase. This means insurance with an FR-44 is typically much higher than coverage for lower-risk drivers. We don’t have average FR-44 rates, but we do have rates based on a DUI/DWI in Florida and Virginia, compared to rates with a clean driving record. Take a look.
|State||Average Annual Rates with a Clean Driving Record||Average Annual Rates with a DUI|
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Compared to drivers with a clean record, rates with a DUI/DWI are an average of 19 percent higher in Florida and 45 percent higher in Virginia. And despite the extra expense, you’ll be required to pay your FR-44 rates in full rather than in installments.
How much coverage is required with FR-44 insurance?
If you own a vehicle, you’ll be required to buy significantly higher minimum coverage with an FR-44 than you would as an average driver or as a driver with SR-22 auto insurance. Take a look at this table to see what we mean for both Virginia and Florida car insurance laws.
|State||State Minimum Bodily Injury liability Requirement||FR-44 Minimum Bodily Injury Liability Requirement||State Minimum Property Damage Requirement||FR-44 Property Damage Requirement|
|Florida||$10,000||$100,000 per person $300,000 per accident||$10,000||$50,000|
|Virginia||$25,000 per person $50,000 per accident||$50,000 per person $100,000 per accident||$25,000||$40,000|
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What happens if you’re required to get an FR-44 but don’t have a car? One option is non-owner car insurance.
This coverage will meet the FR-44 insurance requirements, even if you don’t own a car.
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FR-44 Insurance: The Bottom Line
If you’re convicted of a DUI/DWI in Florida or Virginia, you may be required to obtain an FR-44 certificate of financial responsibility to reinstate your driver’s license. As a part of this, you’ll also be required to carry higher minimum coverage limits than the average driver.
Finding cheap FR-44 insurance may be difficult because rates are significantly higher for drivers with a DUI/DWI on their record (19 and 45 percent in Florida and Virginia, respectively).
Ready to look for affordable FR-44 insurance? Use your ZIP code to start comparing FR-44 insurance rates right now.