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FR-44 Insurance: High-Risk DUI Filing Explained

FR-44 is a liability certificate required by Florida and Virginia after DUI convictions, proving you carry double the standard liability coverage minimums.

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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.

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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. The moment you buy a vehicle, notify your insurer within 30 days to convert to owner FR-44 or face automatic suspension.

How Much Does FR-44 Insurance Insurance Cost?

Your DUI conviction details—BAC level, property damage, and injury involvement directly impact underwriting tier and monthly cost.

Related Coverage Types

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Liability Insurance→

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Uninsured Motorist Coverage→

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SR-22 Insurance

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Non-Owner FR-44

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Meet Your FR-44 Requirement Without Overpaying

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