Liability Insurance After a DUI or DWI
Liability insurance pays for injuries and property damage you cause to others in an at-fault accident.
Free to compare
What Is Liability Insurance Insurance?
Liability insurance covers damage you cause to other people and their property when you're at fault in an accident. It has two components: bodily injury liability pays for medical bills, lost wages, and legal fees if you injure someone; property damage liability covers repairs to vehicles, buildings, or other property you damage. Your own injuries and vehicle damage are never covered by liability insurance — that requires collision, comprehensive, or medical payments coverage. FR-44 filers must carry liability limits substantially higher than what most drivers buy, and maintain continuous coverage for three years without lapses.
Who Needs Liability Insurance Insurance?
FR-44 liability insurance is legally required for all Florida and Virginia drivers seeking license reinstatement after a DUI or DWI conviction. You cannot regain driving privileges without maintaining the state-mandated liability minimums and continuous FR-44 filing for three years. Even if you don't own a vehicle, you must carry non-owner FR-44 liability coverage to satisfy the DMV requirement — driving without it results in immediate license suspension and possible criminal charges for driving on a suspended license.
Your only decision is whether to carry the state minimum liability limits or purchase higher limits for additional protection.
How Much Does Liability Insurance Insurance Cost?
- Age and gender — male drivers under 30 with a DUI pay significantly more than drivers over 40 with the same conviction
- Vehicle type and use — high-performance vehicles or commercial use without proper endorsements can result in denial of FR-44 coverage altogether
Related Coverage Types
