The Short of It

  • FR-44 insurance is not really insurance but a document that proves you have auto insurance
  • FR-44s are only issued in Virginia and Florida
  • An FR-44 requires you to have insurance coverage limits higher than the state's minimum requirements

It never pays to drink and drive. Not only do you put yourself and others in danger, but you could land yourself in serious legal and financial trouble, too.

However, if you've recently been convicted of a DUI/DWI, you may have been tasked with getting FR-44 insurance (sometimes seen as FR44) and are wondering what it is and where to get it.

Wondering what exactly FR-44 insurance is? Well, an FR-44 isn't exactly insurance at all. Instead, an FR-44 is a document that proves you carry a particular type of insurance—much like SR-22 car insurance.

Keep reading to learn what an FR-44 is, how to get one, and how much it might cost you. Enter your ZIP code into our free comparison tool above to find FR-44 insurance quotes in your area today.

What is an FR-44?

As we mentioned earlier, an FR-44 (or FR 44) insurance is not really auto insurance at all. Instead, it is a document of financial responsibility that proves you carry auto insurance after a DUI or similar traffic incident.

Only the states of Virginia and Florida require people to obtain an FR-44. In most other states, you'll be required to obtain an SR-22. So what's the difference between an FR-44 and an SR-22?

An SR-22 proves that you carry your state's minimum liability auto insurance requirements for at least three years. An FR-44 is similar but it requires you to carry more auto insurance than the state's minimum requirements.

For example, according to the Virginia Department of Motor Vehicles, FR44 insurance coverage limits are double the SR-22 insurance coverage limits. In Florida, coverage limits with an FR-44 are even higher.

How much does FR-44 insurance cost?

Filing an FR-44 document with the state will only cost you a few dollars. However, expect your premiums to be much more expensive.

Insurance rates are determined by a variety of factors such as age, gender, location, and driving history, but with an FR-44 you'll be seen as a high-risk driver and your rates will likely be higher to reflect that.

Also, as we mentioned earlier, coverage limits for an FR-44 are higher than the state minimum requirements, so you'll be paying more for that higher coverage as well.

If you're searching for cheap FR-44 insurance in Florida, you'll be hard-pressed to find it. Compare quotes with multiple companies to find the best deal.

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

Fortunately, this process is not difficult. Once you've had your court hearing and are tasked with getting an FR-44, simply contact your insurance provider or agent and they'll get the FR-44 added to your policy and on file with the state.

If you don't already have insurance, you'll need to find a provider as soon as possible.

If you're ready to buy FR-44 insurance, enter your ZIP code into our free comparison tool below to find affordable FR-44 insurance rates from providers in your area.