What is an FR44 Certificate?
Like an SR22, an **FR44 is a Certificate of Financial Responsibility** that an auto insurance carrier files electronically with your state's licensing agency. However, the FR44 is used **exclusively in Florida (DHSMV) and Virginia (DMV)**.
It is legally mandated for drivers who have been convicted of **DUI, DWI**, driving under the influence of drugs, or operating a vehicle after a license suspension for a DUI-related charge.
Key Differences: FR44 vs. SR22
While an SR22 requires you to prove you carry standard state-minimum auto liability coverage, an FR44 mandates **significantly higher coverage limits**:
- Florida FR44 Requirements: You must purchase liability limits of **100/300/50** ($100,000 bodily injury liability per person, $300,000 bodily injury liability per accident, and $50,000 property damage liability). Standard Florida minimums are only 10/20/10.
- Virginia FR44 Requirements: You must carry limits of **double the standard limits** (typically **50/100/20** bodily injury and property damage, depending on conviction dates).
- DUI Focus: An SR22 can be triggered by driving without insurance or repeat speeding. An FR44 is strictly reserved for DUI or similar severe driving offenses.
Why are FR44 policies expensive, and how can you save?
Because you are required to purchase much higher liability limits, and you have a DUI conviction on your record, FR44 insurance premiums are inherently higher than standard insurance.
However, you can secure deep savings through these proven strategies:
- Compare Non-Standard Carriers: Major standard carriers often place drivers with DUIs into incredibly high price tiers or reject them entirely. Non-standard carriers (like Dairyland, Foremost, Kemper) specialize in FR44 risks and offer much lower rates.
- Non-Owner FR44 Filing: If you do not own a vehicle, you can file a **Non-Owner FR44 policy**. This meets all legal DMV requirements to reinstate your driver's license and can save you up to 60% compared to owner policies.
- Continuous Coverage: Keep your policy active! A lapse in a Florida or Virginia FR44 policy results in instant license suspension, state fines, and a complete reset of the 3-year requirement.
Immediate Electronic Filing in Florida & Virginia
We work directly with the Florida Department of Highway Safety and Motor Vehicles (DHSMV) and the Virginia Department of Motor Vehicles (DMV) systems. When you purchase an FR44 policy through us, our system submits your certificate **within 15 minutes**, allowing you to pay your reinstatement fee online and get back on the road today.