How It Works
Tell us your state — Florida or Virginia — and whether you own a vehicle
See exact FR-44 coverage minimums, filing process, and carrier options for your situation
Get FR-44 coverage and start the reinstatement process. No obligation
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Frequently Asked Questions
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
FR-44 Insurance
FR-44 is a high-risk certificate required in Florida and Virginia after DUI or DWI convictions. Coverage minimums are twice the standard liability limits in each state.
Non-Owner FR-44
Non-owner FR-44 covers drivers without a registered vehicle but who need state-mandated proof of insurance to reinstate a suspended license. Premiums typically run 30-50% lower than owner policies.
Liability Insurance
Liability coverage pays for injury and property damage you cause to others. FR-44 mandates higher bodily injury and property damage limits than standard state minimums.
SR-22 Insurance
SR-22 is a similar certificate required in 49 other states. FR-44 coverage minimums exceed SR-22 requirements and only apply in Florida and Virginia.
Uninsured Motorist Coverage
Uninsured motorist coverage protects you if an at-fault driver has no insurance. Florida does not require it, but Virginia mandates it as part of FR-44 filing.