Understanding the Cost Dynamics of FR44

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Understanding the Cost Dynamics of FR44 and Policy Variability

While the administrative fee for an FR44 ranges from $15 to $45, it's essential to understand that the significant cost pertains to the underlying insurance policy. The actual cost for such a policy varies individually, influenced by factors such as driving history, age, and geographical location, among others.

For clarity on insurance requirements:

  • FR44 Insurance:
    • Florida: Minimum coverage requirement of $100,000 for bodily injury per person, $300,000 for the entire accident, and $50,000 for property damage.
    • Virginia: The required coverage stands at $60,000/$120,000/$40,000, respectively.
  • SR22 Insurance:
    • Coverage necessities can differ, unlike the fixed prerequisites for FR44.

Confused? Let's Decode:

  • The first figure denotes the bodily injury liability limit for each individual involved in the accident.
  • The second figure denotes the total coverage limit for the entire accident.
  • The third figure outlines the limit for property damage.

Key Information for FR44 Policyholders: As a policyholder needing an FR44, anticipate paying the 6-month or annual premium in its entirety. Despite the financial burden this may pose, it's encouraging to note the flexibility in policy selection within the three-year period, provided no lapses occur. This allowance offers you the opportunity to continuously evaluate and opt for the most economically advantageous policy, ensuring optimal financial management amidst the compulsory insurance requirements.

Your comprehension and navigation of these aspects are crucial for informed decision-making, alleviating potential confusions and ensuring alignment with legal and financial obligations. Your continuous effort to secure the most favorable rates, even within mandated frameworks, contributes positively to your financial health and legal compliance.


A DUI conviction in the State of Florida will require an FR44 Insurance Policy with 100/300/50 Coverage. You must generally keep this policy in force for 3 years from your conviction date.

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Simply put, if you need a vehicle listed on your policy, you 'll get a Florida FR44 Owner Policy. If you don't, you'll get a Non-Owner policy. Both come with the required 100/300/50 coverage.

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