FR-44 Insurance That Meets Your State Deadline
Compare FR-44 carriers in Florida and Virginia, understand non-owner FR-44 options, and learn the exact filing requirements your DMV expects.
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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
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 InsuranceFR-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-44Non-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 InsuranceLiability 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 InsuranceSR-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 CoverageUninsured 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.Recent Articles
7/13/2026Florida FR-44 Insurance Cost BreakdownFlorida FR-44 runs $148-$318/month at 100/300/50 limits. Quotes from 11 carriers that write it, side by side.
7/13/2026Florida FR-44 Insurance RequirementsFlorida FR-44 requires 100/300/50 liability for 3 years after DUI. Compare quotes from the 12 carriers licensed to file in your state.
7/13/2026Virginia FR-44 Insurance After DUIVirginia's FR-44 means 50/100/40 limits, double the 25/50/20 minimum. Here's who'll write it after a DUI.
Meet Your FR-44 Requirement Without Overpaying
Get FR-44 Insurance CoverageFrequently Asked Questions
What is FR-44 insurance?
FR-44 is a certificate of financial responsibility required in Florida and Virginia after DUI or DWI convictions. It proves you carry liability coverage at minimums twice as high as standard state requirements—100/300/50 in Florida and 60/120/40 in Virginia.
How long do I need to maintain FR-44 coverage?
Florida requires FR-44 for 3 years from the conviction date. Virginia requires it for 3 years as well, but the clock starts from your license reinstatement date, not the conviction.
What happens if my FR-44 policy lapses?
Your insurance carrier must notify the DMV within 24 hours of cancellation or non-payment. The DMV will suspend your license immediately, and you must restart the entire FR-44 filing period from day one.
Do all insurance carriers offer FR-44 filing?
No. Only carriers licensed to write high-risk policies in Florida or Virginia can issue FR-44 certificates. National carriers like GEICO and Progressive offer FR-44, while some regional or standard-market insurers do not.
Is FR-44 the same as SR-22?
No. FR-44 requires higher liability limits than SR-22 and only applies in Florida and Virginia. Both are certificates proving financial responsibility, but FR-44 mandates coverage minimums twice as high as most SR-22 states.