What is the difference between FR44 insurance and SR22 insurance?

Wondering – what difference is sr22 and fr44 in florida? The simple answer is that FR44 is required if your violation is DUI related in Florida and Virginia. SR22 is for everything else.

Currently, there are only two states that require FR44 insurance filings, Florida and Virginia. The FR44 is a proof of insurance certificate that requires the driver to have higher liability limits on the auto insurance policy due to a DUI. Driving under the influence in one of these states will result in much higher car insurance premiums and a three year period of filing an FR44 form. The cost of the filing is only $25-$50 but having the DUI on your driving record will cause the premiums to increase dramatically.

Key Differences at a Glance

Feature	FR44	SR22
Required for	DUI/DWI convictions (FL & VA only)	Most other traffic violations (all states)
Liability minimums	$100,000/$300,000 bodily injury	$10,000/$20,000 (FL state minimum)
Filing period	3 years (Florida)	3 years (most states)
Filing cost	$25–$50	$15–$35
States using it	Florida and Virginia only	All 50 states

Which One Do You Need?

If you were convicted of a DUI in Florida, you need FR44 — not SR22. Filing SR22 when FR44 is required will not reinstate your license. If your violation was something other than a DUI (reckless driving, uninsured accident, license suspension), SR22 is typically what DHSMV requires.

Not sure which applies to your situation? Call us and we’ll tell you in under two minutes.