MyFloridaFR44 is a licensed Florida insurance agency (License #L091747) specializing in FR-44 and SR-22 insurance certificates. Understanding which one you need is critical — filing the wrong certificate can delay your license reinstatement and leave you driving on a suspended license.
FR-44 vs SR-22: Quick Comparison
| Feature | FR-44 (Florida) | SR-22 (Other States) |
|---|---|---|
| Used In | Florida only | Most other states |
| Bodily Injury (per person) | $100,000 | $25,000 typical |
| Bodily Injury (per accident) | $300,000 | $50,000 typical |
| Property Damage | $50,000 | $10K-$25K typical |
| Required After | DUI/DWI conviction | Various violations |
| Duration Required | 3 years minimum | Varies by state (1-5 years) |
| Filing Fee | $15-$25 | $15-$25 |
| Legal Basis | FL Statutes §627.7275 | State-specific laws |
If You Got a DUI in Florida, You Need FR-44
The Florida DHSMV requires FR-44 — not SR-22 — for DUI and DWI convictions in Florida. SR-22 will not satisfy the state's requirement and will not get your license reinstated. If someone told you SR-22 is fine, they're wrong. Call us at 1-855-678-6977 and we'll get you the right certificate filed same-day.
What Is FR-44 Insurance?
FR-44 is a financial responsibility certificate filed by your insurance company with the Florida DHSMV after a DUI or DWI conviction. Mandated under Florida Statutes §627.7275, FR-44 requires elevated liability coverage limits — specifically $100,000 per person, $300,000 per accident for bodily injury, and $50,000 for property damage (commonly written as 100/300/50). This is significantly higher than Florida's minimum auto insurance requirements.
The FR-44 requirement originated to ensure that drivers convicted of DUI — statistically higher-risk — carry enough liability coverage to protect other drivers, passengers, and property in the event of a future accident. The certificate proves to the state that you carry continuous, active coverage at these elevated limits.
What Is SR-22 Insurance?
SR-22 serves the same function as FR-44 but is used in states outside Florida (and Virginia, which previously used FR-44). It's a financial responsibility filing required after various driving violations including reckless driving, driving without insurance, repeat traffic offenses, or DUI convictions in non-FR-44 states. The key difference is that SR-22 typically requires lower liability limits — usually just the state's minimum coverage amounts.
If you've moved to Florida from another state and had an SR-22 requirement there, you may need to switch to an FR-44 if the original offense was DUI-related. Florida treats out-of-state DUI convictions the same as in-state ones for FR-44 purposes.
Key Differences Between FR-44 and SR-22
Coverage Limits
The most significant difference is the liability limit. FR-44 requires $100,000/$300,000/$50,000 — four times the bodily injury coverage of a typical SR-22. This means your insurance pays up to $100,000 per injured person, $300,000 total per accident, and $50,000 for property damage. SR-22 typically only requires $25,000/$50,000/$10,000 or similar state minimums.
Cost Impact
Because FR-44 mandates higher coverage limits, premiums are inherently more expensive. The elevated limits mean the insurance company carries more risk. However, working with an independent agency like MyFloridaFR44 that shops 15+ carriers keeps costs as low as possible — FR-44 policies start from approximately $14-$50 per month depending on your driving record, vehicle type, age, and Florida county.
State Availability
FR-44 is exclusive to Florida. Every other state that requires financial responsibility filings uses SR-22. If you're moving to Florida with an existing SR-22 from another state due to a DUI conviction, you'll need to convert to FR-44 to satisfy Florida DHSMV requirements.
Need SR-22 Instead?
If you're in another state or have a non-DUI situation requiring SR-22, visit SR22Coverage.com — our sister agency handles SR-22 filings across all 50 states.
Frequently Asked Questions
FR-44 is required exclusively in Florida and Virginia after a DUI/DWI conviction, with higher liability limits of $100,000 per person and $300,000 per accident for bodily injury, plus $50,000 in property damage coverage. SR-22 is used in most other states with typical limits of $25,000/$50,000 for bodily injury and $10,000-$25,000 for property damage. Florida DUI convictions specifically require FR-44, not SR-22.
If you were convicted of a DUI or DWI in Florida, you need an FR-44 certificate. Florida law mandates FR-44 filing after a DUI conviction. SR-22 does not satisfy this requirement and will not reinstate your license. For non-DUI violations in Florida requiring financial responsibility filing, an FR-44 may still be required depending on the offense.
FR-44 policies typically cost more than SR-22 because Florida requires significantly higher liability limits ($100K/$300K vs. $25K/$50K). Despite the higher limits, shopping 15+ carriers can keep FR-44 costs manageable, with policies starting from approximately $14-$50 per month depending on your driving record, vehicle, and county.
Florida requires you to maintain FR-44 insurance coverage for a minimum of 3 years from the date of your license reinstatement. The coverage must remain active continuously during this period. If your FR-44 policy lapses or is cancelled, the insurance company must notify the Florida DHSMV, which can result in immediate license suspension again.
Yes. Florida offers a non-owner FR-44 policy for drivers who do not own a vehicle but still need to file an FR-44 certificate. This provides liability coverage when driving borrowed or rented vehicles. Non-owner FR-44 is typically less expensive than a standard owner policy. Learn more about non-owner FR-44 →
Only Florida and Virginia require FR-44 certificates. All other states use the SR-22 form. Florida mandates FR-44 specifically after DUI/DWI convictions under Florida Statutes §627.7275, requiring the elevated 100/300/50 liability limits.
Virginia previously required FR-44 but transitioned away from it. As of July 1, 2020, Virginia replaced the FR-44 requirement with higher SR-22 limits for certain offenses. Florida remains the primary state that actively uses the FR-44 designation for DUI-related financial responsibility filings.
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