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FR44 Insurance Florida: What You Need to Know

FR44 Insurance Florida: An FR44 is a document of financial responsibility—in Florida and Virginia—proving that you carry car insurance after a driving incident like a DUI or driving with a suspended license.

If you live in Virginia or Florida and have recently received an infraction for driving under the influence (DUI), then you may need an FR44. You may be wondering what an FR44 is. We’ve put together some question and answer sets to help you understand what an FR44 is all about.

FR44 Insurance Florida – Requirement

When you’re required to obtain an FR44 certificate, you must have auto insurance in place.

You’re also obligated to have a minimum amount of liability coverage on your automobile insurance:

  • $50,000 of property damage liability
  • $100,000 of bodily injury per person liability
  • $300,000 of bodily injury liability per accident/occurrence.

Regardless of the FR44, it’s usually a wise idea to have at least $300,000 in liability coverage.

FR44 Insurance Florida FAQs

1: What is an FR44? An FR44 is a document of financial responsibility—in Florida and Virginia—proving that you carry car insurance after a driving incident like a DUI or driving with a suspended license. When incidents like these occur, your state may require you to obtain an FR44 through your insurance and file it with the Florida or Virginia Department of Motor Vehicles.

2: Is an FR44 Considered Car Insurance? No. An FR44 proves you’re meeting your state’s car insurance requirements, but it’s not considered insurance itself. An FR44 is a certificate from your insurance provider letting the state know that you’re covered for the insurance your state requires.

3: What’s The Difference Between An FR44 And An SR22? When you get a DUI, only the states of Florida and Virginia require your insurance company to file an FR44. In all other states, this filing is referred to as an SR22.

An SR22 verifies that you’ll carry at least your state’s minimum liability insurance requirements for typically three years but may vary based on your violation. An FR44 differs from an SR22 in that an SR22 requires minimum liability limit insurance be carried, and an FR44 requires greater than minimum liability limits.

Virginia and Florida can also require an SR22 for non-alcohol-related offenses. You may also be required to have an SR22 in these states if you’re caught falsifying or not carrying required auto insurance.

4: What’s the difference between FR44, FR-44, and FR 44 insurance? These are all variations of proof of insurance coverage known as FR44. Even though they’re referred to differently by various entities, they’re all the same thing.

5: What states require fr44 insurance? Currently, there are only two states that require FR44 insurance filings, Florida and Virginia. The FR44 is a proof of insurance certificate that requires the driver to have higher liability limits on the auto insurance policy due to a DUI.

6: What Do I Need To Do To Get An FR44? Once you have your court hearing and are told you need an FR44, contact your insurance agent. They’ll start the process of adding an FR44 to your policy and ensure you get the proof of FR44 you need to reinstate your driver’s license.

7: How Long Do I Need An FR44? While the duration might vary, an FR44 is usually required for three years. But to be sure, double check with the court or your state’s DMV to know how long you must keep this certificate on file. If your policy lapses before your designated term is up, the DMV will be notified by your insurance provider and your license may be suspended.

8: How much does FR44 insurance cost in Florida? Insurance prices are determined by many different factors including age, sex, location, driving record, and claims history. Prices vary drastically from person to person so it is hard to determine a price without requesting a quote. FR44 insurance can cost more than SR22 insurance because the required liability coverage limits are higher in the state of Florida. 

9: Can I Get An FR44 Today? Yes. Dairyland can issue an FR44 immediately, with same-day electronic filing in Florida and Virginia. Give them a call at 844-242-4468 to begin.

10: Can I Pay My FR44 Policy In Installments? By law, when you buy an FR44, it must be paid in full. Since Dairyland offers a discount when a policy is paid in full, this discount applies to your FR44 policy, and can help offset your total cost.

11: What is My Minimum Coverage Amount For An FR44? An FR44’s minimum requirement for bodily injury protection is $100K/$300K, and $50K for property damage protection in Florida. For Virginia, it’s $50,000/$100,000 and $40,000 respectively.

12: Can I Cancel My FR44? State law requires that an FR44 policy can’t be cancelled. If your policy lapses, your insurance provider is required to notify the state and your license may be suspended.

13: Will a DUI or DWI Increase My Insurance Rates? Typically, your rates will increase. The extent your rates change will vary by insurance carrrier.

14: What’s a Certificate Of Financial Responsibility (CFR)? A certificate of financial responsibility is another term for an FR44, showing that you meet your state’s car insurance requirements for a specified amount of time.

I need further help

We know you might have more questions about FR44 insurance, and we can help. Contact us via our website or give us a feedback in the comment box below.

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