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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

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What is FR-44 insurance?

FR-44 insurance isn't a type of insurance; it's a certification confirming that a high-risk driver carries double the minimum car insurance requirements. The "FR" in FR-44 stands for financial responsibility. FR-44 insurance is only found in Florida and Virginia.

Has the court ordered you to get FR-44 insurance? If you currently have a car insurance policy, half the work is done for you already. But what if you don’t have car insurance?

Don’t worry — we’re here to help. Read through this FR-44 auto insurance article to learn how to buy FR-44 insurance and how to get around expensive FR-44 insurance rates.

Once you learn everything about FR-44 insurance, enter your ZIP code in the free online quote tool above to compare multiple companies in your area.

What is FR-44 car insurance?

FR-44 insurance is a certification of financial responsibility that can only be found in Florida and Virginia. High-risk drivers who’ve been convicted of a DUI, driving while their license is revoked, or other serious driving violations require FR-44 insurance.

The FR-44 insurance requirement also applies to these scenarios:

  • DUI conviction that involves bodily injury to another person
  • Multiple reckless driving infractions
  • Multiple DUI convictions

Once you’ve been ordered to get FR-44 insurance from the court, you’ll need to add FR-44 to your current car insurance policy or buy car insurance, then attach FR-44 to your policy.

When you want to attach FR-44 to your auto insurance policy, you’ll have to pay a fee ranging from $15 to $25. Each FR-44 insurance company is different, so prices will vary.

What’s the difference between FR 44, FR-44, and FR44 car insurance?

There’s no difference between FR 44, FR-44, or FR44. These terms are used interchangeably.

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What are the minimum car insurance requirements for FR-44 insurance?

FR-44 auto insurance requires you to carry double the minimum auto insurance requirements. For example, the minimum car insurance requirements might be $10,000 in personal injury protection (PIP) and $10,000 in property damage.

FR-44 requires more than double your coverage limits in Florida. Let’s look at the FR-44 insurance requirements in Florida and Virginia.

FR-44 Minimum Car Insurance Requirements for Florida and Virginia
Florida's Minimum Requirements for FR44 Auto InsuranceVirginia's Minimum Requirements for FR44 Auto Insurance
$100,000 for injury or death to one person$50,000 for injury or death to one person
$300,000 for injury or death of two or more people$100,000 for injury or death of two or more people
$50,000 for property damage liability$40,000 for property damage liability

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Florida’s FR-44 requires high-risk drivers to carry 10 times the personal injury protection (PIP) limit for bodily injury of one person and 30 times the PIP limit for bodily injury of multiple people. In Virginia, the FR-44 insurance program also doubles the minimum auto insurance requirements.

But how much does it cost to buy new coverage? Continue reading to learn more.

How much is FR-44 car insurance?

Several factors determine whether affordable FR-44 insurance is available to you. While you can’t get FR-44 insurance quotes, you can find the cheapest FR-44 insurance by shopping around.

Let’s look at some examples of how much you could pay for FR-44 insurance from Florida and Virginia’s best car insurance companies.

Florida vs. Virginia High-Risk Car Insurance Rates by Company
Top Car Insurance CompaniesFlorida's Estimated Monthly Rates for DUI-Convicted DriversVirginia's Estimated Monthly Rates for DUI-Convicted Drivers
State Farm$283$189

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When buying auto insurance, you have the option of paying your policy balance in full. That could be very expensive, so car insurance companies allow you to make monthly payments. We recommend installments so you have cost-efficient flexibility.

If you want to lower your car insurance costs, you’ll need to look for a company that can provide discounts while you’re a high-risk driver. Take advantage of vehicle discounts like anti-theft and safety feature deals to lower auto insurance rates.

How long does FR-44 car insurance last?

Once you have FR-44 insurance, you’ll have to keep it for three years. After the FR-44 period is over, it’s up to the FR-44 insurance company to determine if you’re still a high-risk driver.

Can I cancel FR-44 car insurance?

The short answer is no. You have to keep FR-44 auto insurance until the three years have passed or until auto insurance companies don’t consider you a high-risk driver to insure.

Can I get FR-44 car insurance without a vehicle?

The answer is yes. Auto insurance without owning a car is called non-owner auto insurance. If you don’t own a car but have a DUI, you still need FR-44 insurance to drive. Therefore, your non-owner car insurance policy requires FR-44 certification.

What’s the difference between SR-22 and FR-44 car insurance?

FR-44 targets drivers convicted of DUI and DUI that caused injuries. Meanwhile, SR-22 focuses on multiple driving violations such as reckless driving and driving under a suspended license.

Here’s a list of reasons you may need SR-22 or FR-44.

Three Reasons Why You Need SR-22 or FR-44 Car Insurance
3 Reasons Why You Need SR-22 Auto Insurance3 Reasons Why You Need FR-44 Auto Insurance
Driving With A Suspended Driver's LicenseCausing Injury While Driving Under The Influence
Received A Citation For Failing To Maintain The Minimum Auto Insurance RequirementsDriving Under The Influence of Alcohol or Drugs
You've Been Convicted Of Serious Driving Violations Like Reckless DrivingDriving With Revoked Driver's License Due To A Conviction

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SR-22 car insurance doesn’t require you to carry double the minimum car insurance requirements like FR-44 car insurance. However, SR-22 does increase your auto insurance rates like FR-44.

FR-44 Car Insurance: What’s the bottom line?

You can’t get FR-44 insurance everywhere. It’s uncertain why FR-44 is limited to two states, but SR-22 insurance exists in most states.

FR-44 insurance is usually ordered through a local court after a high-risk driver is convicted of DUI or another driving infraction. Ultimately, FR-44 leads to more expensive car insurance rates.

Now that you know more about FR-44 insurance, use our free comparison tool to compare multiple companies in your area and secure cheap car insurance today.



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