Cheap FR-44 Insurance
FR-44 insurance is required in Virginia and Florida after a conviction. Drivers that have gotten a DUI or drove with a suspended license will likely need to file an FR-44. Talk to your provider about how to get cheap FR-44 auto insurance. Use our free comparison to find the best FR-44 insurance in your area.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
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UPDATED: Nov 1, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- If you have been charged with a DUI, you need an FR-44 to certificate of liability insurance
- The difference between an SR-22 and FR-44 form is that drivers must carry a minimum liability policy with the FR-44
- Drivers required to hold FR-44 insurance for three years
If you live in Florida or Virginia and have a DUI or drove with a suspended license, you’ll need an FR-44 (also seen as FR 44 or FR44). An FR-44 is official proof that drivers in these states have acquired the minimum automobile insurance required to stay on the road.
Navigating through finding cheap FR-44 insurance in Florida or Virginia is made simple with this guide. Find out all the details of how to get a certification of liability and other answers to your questions.
If you’re ready to start comparing FR-44 auto insurance quotes, use our free tool. Enter your ZIP code now to hook up with local agents. Not yet ready to buy FR-44 auto insurance? Read on to learn more.
What is an FR-44?
Commonly referred to as FR-44 insurance, the FR-44 form is a certification of liability insurance after a DUI.
In Virginia and Florida, FR-44 certification is required for the following:
- Driving while under the influence of alcohol or drugs
- Driving with a forfeited driver’s license after a conviction
Read more: Car Insurance After A DUI
Can any insurance cover this requirement? Keep reading to learn more about car insurance with a DUI and more FR-44 insurance.
Is FR-44 considered car insurance?
No, it’s simply proof you’ve acquired the necessary insurance requirements in your state.
In Virginia, your FR-44 auto insurance coverage must include:
- Bodily injury/death of one person $50,000
- Bodily injury/death of two or more persons $100,000
- Property damage $40,000
See the Virginia Department of Motor Vehicles website for more information.
In Florida, drivers must prove they’ve acquired bodily injury liability insurance of $100,000 per person, $300,000 per occurrence, and $50,000 property damage liability.
For more information, see Florida Highway Safety and Motor Vehicles.
In which states are FR-44s required for insurance?
Florida and Virginia. Affordable FR-44 auto insurance in these states can be found by thoroughly searching online for FR-44 auto insurance quotes.
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How long do I need an FR-44?
Certification of liability insurance must be in the form of an FR-44 policy filed for three years from the DUI revocation reinstatement.
What do I need to do to get an FR-44?
After you’ve dealt with the legal part of your issue, speak with an auto insurance provider. If you already have insurance, your company may start the process for you.
If you cancel your policy, you will lose your FR-44 and be in jeopardy of losing your license.
How much does an FR-44 cost?
Increased rates reflect FR-44 insurance costs. Insurance companies may increase your rates if you’ve gotten into an accident or got a DUI. Check out the table below to compare rates
Nationwide Driving Record Rates
| Insurance Company | Average Annual Rates With a Clean Record | Average Annual Rates With One Accident | Average Annual Rates With One Speeding Violation | Average Annual Rates With One DUI |
|---|---|---|---|---|
 | $3,819.90 | $4,987.68 | $4,483.51 | $6,260.73 |
 | $2,693.61 | $3,722.75 | $3,025.74 | $4,330.24 |
 | $3,460.60 | $4,518.73 | $4,079.01 | $4,718.75 |
 | $2,145.96 | $3,192.77 | $2,645.43 | $4,875.87 |
 | $4,774.30 | $6,204.78 | $5,701.26 | $7,613.48 |
 | $2,746.18 | $3,396.95 | $3,113.68 | $4,543.20 |
 | $3,393.09 | $4,777.04 | $4,002.28 | $3,969.65 |
 | $2,821.18 | $3,396.01 | $3,186.01 | $3,636.80 |
 | $3,447.69 | $4,289.74 | $4,260.80 | $5,741 |
 | $1,933.68 | $2,516.24 | $2,193.25 | $3,506 |
There will be a fee between $150 and $500 for subsequent violations.
Do Not Be Left Underinsured
Now that we’ve dug into the components of the FR-44 form find cheap FR-44 insurance for Florida and Virginia using our free quote comparison. Enter your ZIP code to connect with local agents in your area that offer you minimum liability needs.
Frequently Asked Questions: FR-44 Insurance
Didn’t see the answer to your question? Keep reading to learn more about FR-44 insurance.
#1 – What’s the difference between an FR-44 and an SR-22 form?
An SR 22 form, according to the Virginia DMV, is for those who have been convicted of:
-
Voluntary or involuntary manslaughter resulting from the operation of a motor vehicle.
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Perjury, making a false affidavit to DMV regarding motor vehicles’ registration or making a false statement on any driver’s license application.
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Any felony committed under the motor vehicle law or any felony in the commission of which a motor vehicle is used.
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Failure of a driver of a motor vehicle involved in an accident resulting in death or injury to another person to stop and disclose his identity at the scene of the accident.
FR-44 insurance liability is double the coverage of SR-22.
#2 – Can I cancel my FR-44?
No, you must wait for the three-year period to end. If you let your car insurance policy lapse, your provider will report you to the state, and you may lose your license.
#3 – Will a DUI or DWI increase my insurance rates?
It is likely that your FR-44 auto insurance rates will be higher than you’re used to. See the chart above to compare possible rate increases.
#4 – What’s a Certificate of Financial Responsibility?
A Certificate of Financial Responsibility (CFR) is proof in Virginia and Florida that you’ve acquired the minimum liability insurance.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.