Does insurance rate go down with time if you still have to have an FR44?

The FR44 filing itself is not what sets your premium for three years in stone. The DUI, your record, and the 100/300/50 limits are.

We've talked to people who stayed with the first company the whole term and never asked for a requote. Other people shopped at renewal and the number moved, even while the FR44 was still required. Clean time on the policy helps. Another ticket does the opposite.

So yes, the rate can change while the certificate is still on file. It is not guaranteed, and anyone posting a monthly number from their own policy is talking about their zip and their car, not yours.

We shop 15+ carriers when you start, and we can shop you again later. Then we keep the filing continuous so you do not create a lapse.