Cheap FR-44 Insurance

FR-44 insurance is required in Virginia and Florida after a conviction. Drivers that have gotten a DUI or drove with a suspended license will likely need to file an FR-44. Talk to your provider about how to get cheap FR-44 auto insurance. Use our free comparison to find the best FR-44 insurance in your area.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 31, 2021

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Can't-Miss Facts

  • If you have been charged with a DUI, you need an FR-44 to certificate of liability insurance
  • The difference between an SR-22 and FR-44 form is that drivers must carry a minimum liability policy with the FR-44
  • Drivers required to hold FR-44 insurance for three years

If you live in Florida or Virginia and have a DUI or drove with a suspended license, you'll need an FR-44 (also seen as FR 44 or FR44). An FR-44 is official proof that drivers in these states have acquired the minimum automobile insurance required to stay on the road.

Navigating through finding cheap FR-44 insurance in Florida or Virginia is made simple with this guide. Find out all the details of how to get a certification of liability and other answers to your questions.

If you're ready to start comparing FR-44 auto insurance quotes, use our free tool. Enter your ZIP code now to hook up with local agents. Not yet ready to buy FR-44 auto insurance? Read on to learn more.

What is an FR-44?

Commonly referred to as FR-44 insurance, the FR-44 form is a certification of liability insurance after a DUI.

In Virginia and Florida, FR-44 certification is required for the following:

  • Driving while under the influence of alcohol or drugs
  • Driving with a forfeited driver's license after a conviction

Can any insurance cover this requirement? Keep reading to learn more about car insurance with a DUI and more FR-44 insurance.

Is FR-44 considered car insurance?

No, it's simply proof you've acquired the necessary insurance requirements in your state.

In Virginia, your FR-44 auto insurance coverage must include:

  • Bodily injury/death of one person $50,000
  • Bodily injury/death of two or more persons $100,000
  • Property damage $40,000

See the Virginia Department of Motor Vehicles website for more information.

In Florida, drivers must prove they've acquired bodily injury liability insurance of $100,000 per person, $300,000 per occurrence, and $50,000 property damage liability.

For more information, see Florida Highway Safety and Motor Vehicles.

In which states are FR-44s required for insurance?

Florida and Virginia. Affordable FR-44 auto insurance in these states can be found by thoroughly searching online for FR-44 auto insurance quotes.

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How long do I need an FR-44?

Certification of liability insurance must be in the form of an FR-44 policy filed for three years from the DUI revocation reinstatement.

What do I need to do to get an FR-44?

After you've dealt with the legal part of your issue, speak with an auto insurance provider. If you already have insurance, your company may start the process for you.

If you cancel your policy, you will lose your FR-44 and be in jeopardy of losing your license.

How much does an FR-44 cost?

Increased rates reflect FR-44 insurance costs. Insurance companies may increase your rates if you've gotten into an accident or got a DUI. Check out the table below to compare rates

Nationwide Avearge Annual Auto Insurance Rates by Driving Record
GroupAverage Annual Rates With a Clean RecordAverage Annual Rates With One AccidentAverage Annual Rates With One Speeding ViolationAverage Annual Rates With One DUI
Allstate$3,819.90$4,987.68$4,483.51$6,260.73
American Family$2,693.61$3,722.75$3,025.74$4,330.24
Farmers$3,460.60$4,518.73$4,079.01$4,718.75
GEICO$2,145.96$3,192.77$2,645.43$4,875.87
Liberty Mutual$4,774.30$6,204.78$5,701.26$7,613.48
Nationwide$2,746.18$3,396.95$3,113.68$4,543.20
Progressive$3,393.09$4,777.04$4,002.28$3,969.65
State Farm$2,821.18$3,396.01$3,186.01$3,636.80
Travelers$3,447.69$4,289.74$4,260.80$5,741.40
USAA$1,933.68$2,516.24$2,193.25$3,506.03

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There will be a fee between $150 and $500 for subsequent violations.

Do Not Be Left Underinsured

Now that we've dug into the components of the FR-44 form find cheap FR-44 insurance for Florida and Virginia using our free quote comparison. Enter your ZIP code to connect with local agents in your area that offer you minimum liability needs.

Frequently Asked Questions: FR-44 Insurance

Didn't see the answer to your question? Keep reading to learn more about FR-44 insurance.

#1 - What’s the difference between an FR-44 and an SR-22 form?

An SR 22 form, according to the Virginia DMV, is for those who have been convicted of:

  • Voluntary or involuntary manslaughter resulting from the operation of a motor vehicle.

  • Perjury, making a false affidavit to DMV regarding motor vehicles' registration or making a false statement on any driver's license application.

  • Any felony committed under the motor vehicle law or any felony in the commission of which a motor vehicle is used.

  • Failure of a driver of a motor vehicle involved in an accident resulting in death or injury to another person to stop and disclose his identity at the scene of the accident.

FR-44 insurance liability is double the coverage of SR-22.

#2 - Can I cancel my FR-44?

No, you must wait for the three-year period to end. If you let your car insurance policy lapse, your provider will report you to the state, and you may lose your license.

#3 - Will a DUI or DWI increase my insurance rates?

It is likely that your FR-44 auto insurance rates will be higher than you're used to. See the chart above to compare possible rate increases.

#4 - What’s a Certificate of Financial Responsibility?

A Certificate of Financial Responsibility (CFR) is proof in Virginia and Florida that you've acquired the minimum liability insurance.

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