FR44 Insurance Florida vs Virginia: Key Differences Explained (2026)
Florida and Virginia are the only two states in the U.S. that require FR44 insurance — and the two programs are significantly different. Understanding those differences matters whether you moved between states, got a DUI in both, or are trying to figure out whether your current policy covers you in the right state.
Florida FR44 vs Virginia FR44: Side-by-Side Comparison
| Feature | Florida FR44 | Virginia FR44 |
|---|---|---|
| Bodily injury requirement | $100K per person / $300K per accident | $50K per person / $100K per accident |
| Property damage requirement | $50,000 | $40,000 |
| State minimum (without FR44) | 10/20/$10K | 30/60/$20K |
| Multiplier above state minimum | 10x higher | 1.7x higher |
| Duration required | 3 years | 3 years |
| Filing authority | Florida DHSMV | Virginia DMV |
| Average monthly cost | $150–$350/month | $80–$180/month |
Why Florida FR44 Requirements Are So Much Higher
Florida set FR44 liability requirements at 100/300/50 — ten times the state minimum bodily injury coverage. Virginia uses 50/100/40 — roughly 1.7 times its standard minimums. Florida has historically higher DUI fatality rates and the legislature responded with much stiffer post-DUI insurance requirements.
Cost Difference: Florida FR44 vs Virginia FR44
- Florida FR44 average monthly cost: $150–$350/month
- Virginia FR44 average monthly cost: $80–$180/month
- Standard SR22 (most other states): $50–$150/month
If You Move Between Florida and Virginia
Your FR44 requirement follows the state where the conviction occurred. If you received a DUI in Florida and moved to Virginia, you still owe Florida a completed 3-year FR44 filing period with the Florida DHSMV. Not all insurers are licensed to file FR44s in both states — you may need a specialty insurer with Florida filing authority.
FR44 vs SR22: Why Only Two States Use FR44
Every other state uses SR22. Florida and Virginia chose FR44 specifically to require post-DUI drivers to carry more than the standard minimum. The practical result: an FR44 in Florida costs 2–4x more than an SR22 in neighboring Georgia or Alabama.
Need to get your Florida FR44 filed today? Get a free FR44 insurance quote — same-day DHSMV e-filing available.