Updated April 2026
What Is FR-44 Insurance Insurance?
FR-44 requires you to maintain liability coverage at twice your state's standard minimums—100/300/50 in Florida, 50/100/40 in Virginia—for three years following a DUI conviction. Your insurer files the FR-44 certificate electronically with your DMV, who monitors it continuously. If your policy lapses or is canceled, your insurer notifies the DMV immediately and your license is re-suspended until you secure new FR-44 coverage.
- You rear-end another driver, causing $15,000 in medical bills and $9,000 in vehicle damage. Your Florida FR-44 liability covers up to $100,000 per person injured and $50,000 in property damage, so the claim is fully paid. Without FR-44's doubled minimums, standard 10/20/10 coverage would leave you personally liable for $14,000 in medical costs and $39,000 in vehicle damage.
- You miss a premium payment 18 months into your three-year FR-44 filing period. Your insurer cancels your policy and electronically notifies the Virginia DMV within 24 hours. Your license is automatically re-suspended until you purchase new FR-44 coverage and pay reinstatement fees ranging from $145 to $220, restarting your three-year monitoring clock from the new filing date.
- You don't own a vehicle but need FR-44 to reinstate your Florida license after a DUI. You purchase a non-owner FR-44 policy for $80–$150 per month, which provides liability coverage when you drive borrowed or rental vehicles and satisfies the state's filing requirement. The moment you purchase a vehicle, you must switch to an owner FR-44 policy listing that vehicle or face immediate suspension.
How Much Does FR-44 Insurance Insurance Cost?
FR-44 policies cost $150–$400 per month depending on your driving record, violation details, and whether you need owner or non-owner coverage.
- Your DUI conviction details—BAC level, property damage, and injury involvement directly impact underwriting tier and monthly cost.
- Owner vs. non-owner filing—non-owner FR-44 policies cost $80–$200 monthly while owner policies with full coverage on a vehicle run $200–$500 monthly.
- Time since conviction—rates typically decrease 15–25% after the first year of continuous FR-44 compliance without new violations.
- State of filing—Virginia FR-44 policies average 10–20% less than Florida due to lower required liability minimums (50/100/40 vs. 100/300/50).
- Carrier specialization—non-standard insurers writing FR-44 policies charge 30–60% more than standard carriers, who often refuse DUI applicants entirely.
- Bundled violations—drivers with DUI plus suspended license, reckless driving, or prior at-fault accidents face surcharges adding $50–$150 monthly.
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Who Needs FR-44 Insurance Insurance?
FR-44 is mandatory—not optional—if you've been convicted of DUI in Florida or Virginia and want to drive legally. You must maintain it for three consecutive years from your conviction date, and any lapse restarts the clock. Non-owner FR-44 is the recommended path if you don't own a vehicle but need license reinstatement for work, family obligations, or future vehicle purchase.
If you need a valid license in Florida or Virginia after a DUI, FR-44 is non-negotiable. Choose non-owner FR-44 if you don't own a vehicle and won't purchase one during the filing period—it costs 40–60% less than owner policies. The moment you buy a vehicle, notify your insurer within 30 days to convert to owner FR-44 or face automatic suspension.