About FR-44 Insurance

In the state of Florida & Virginia, if you are convicted of a DUI/DWI or your drivers license has been suspended for any serious traffic violations, you might need to file an FR44 with state licensing authorities in order to get your drivers license reinstated.

FR44 is not an insurance but is a Certificate of Financial Responsibility that acts as a proof that you have the state required minimum motor liability insurance in case you are involved in an accident.

FR44 unlike SR22 requires your liability coverage limits to be significantly higher than the state minimum.

FR-44 certificate is required for the following major violations:

The cost of FR44 insurance varies from provider to provider. It also depends on many other factors including the age of the driver, sex, marital status, driving experience, etc. Additionally, requiring an FR44 puts you in a high-risk driver bracket which will likely increase your insurance rates.

If you are mandated by your state to file an FR-44, you must first reach out to your insurance company and request them to file for the policy on your behalf with your local DMV.

You must keep in mind that you need to have an active car insurance policy before you file for an FR-44. If you don't have an active car insurance policy then buy one that seems best for you and then attach an FR-44 on top of it.

FR44 form can only be issued by a licensed car insurance provider who is approved to do business in your state and authorized to file and issue FR44 forms. Often times, the entire process can be quite daunting as not all insurance providers offer or assist in filing FR44.

If you need any help in filing FR44, you can contact SR22InsuranceNow at our toll free number 888-885-3948. Our executives will get you Free No-obligation FR-44 Quotes from top providers. You can compare rates and choose the one that most suits your needs.

Once you choose an insurance provider, in most cases, FR44 can be filed with the state DMV electronically on the same day.

If you don’t own a car and are required to file an FR-44 then you can opt for the Non-owner (FR-44) policy. A Non-Owner policy is required for people who do not own a car but are mandated by the state to file for an FR-44 in order to drive again. Keep in mind that a non-owner policy only covers body injury liability and property damage liability.

Learn more about Non-owner SR-22 Insurance.

In most cases, the minimum duration one needs to maintain FR-44 is at least three years. The certificate remains valid as long as you pay the insurance premium in a timely manner.

If you fail to renew your insurance or are further convicted of any DUI/DWI violations, the requirement to maintain FR-44 may get extended for a longer period of time.

If you fail to maintain your FR-44 or your coverage lapses, the insurance company is required by law to notify the DMV of the status. You could be at risk of a license suspension as well as lose your driving privileges. The state may ask you to carry FR-44 for a longer period of time and you may have to pay additional fees to get your license reinstated.