D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Mar 19, 2021

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Just the Basics

  • FR-44 insurance is a high-risk certification that’s only available in Florida and Virginia
  • You may need FR-44 insurance if you have DUI on your driving record
  • If you don’t own a vehicle, you’ll need to have FR-44 insurance on a non-owner car insurance policy

FR-44 insurance coverage isn’t defined as car insurance, but it’s a certification that says you carry the car insurance requirements after you’ve been convicted of DUI. So how do you get FR-44 insurance?

Continue reading our guide to learn how to find FR-44 insurance, where you can get it, and how to reduce the cost of auto insurance.

Car insurance companies can file FR-44 insurance certification, but only a few companies offer high-risk car insurance. Use our free comparison tool to find affordable car insurance rates in your local area.

How is FR-44 car insurance defined?

What is FR-44 insurance? According to the Virginia Department of Motor Vehicles, FR-44 insurance is a financial responsibility certificate (CFR) that says you have the minimum car insurance requirements.

FR-44 insurance is labeled in so many different ways. So what’s the difference between FR44, FR-44, and FR 44 insurance? There’s no difference at all. FR-44 auto insurance is identified in different ways, but they all mean the same thing.

Where can you find FR-44 insurance? You can only get FR-44 insurance in Florida and Virginia. Most states only have SR-22 insurance.

What do you need to do to get FR-44 car insurance?

When a judge has ordered you to get FR-44 insurance, you’ll need to find a car insurance company that provides high-risk car insurance. The auto insurance provider will ask for an FR-44 insurance filing fee of $15 to $25.

Once you’re approved, the car insurance company will attach the FR-44 certification to your policy. When you go to court, present the certificate along with proof of insurance to maintain your driver’s license and vehicle registration.

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How much are FR-44 insurance rates?

Since FR-44 isn’t considered car insurance, you won’t find FR-44 insurance quotes. However, auto insurance companies may issue a policy where you can make monthly installments based on high-risk status.

Will a DUI or DWI increase my insurance rates? Yes. DUIs are one of the worst traffic violations, and your auto insurance rates can be doubled.

A high-risk status is a driving record with a DUI, reckless driving, or other major traffic violations. Let’s compare the auto insurance rates in Florida and Virginia based on DUI convictions.

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
USAA$339$206
Progressive$458$212
Nationwide$456$220
GEICO$418$257
Allstate$710$309
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State Farm, USAA, and Progressive provide the cheapest car insurance for DUI-convicted drivers. In general, expect your auto insurance rates to be more expensive than average if you have a DUI conviction.

To secure cheap FR 44 insurance, you’ll need to qualify for discounts or choose liability-only insurance. Shop around until you can find affordable FR-44 insurance.

How long does FR-44 car insurance last?

FR-44 insurance lasts for three years. After those three years, the car insurance company will determine if you’re still a high-risk driver. If so, you’ll need to reapply for FR-44 insurance.

Can you cancel FR-44 insurance? The short answer is no. Once you’ve been ordered to carry FR-44 insurance, you can’t withdraw until you’re no longer a high-risk driver.

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

What is my minimum coverage amount for FR-44 insurance? FR-44 insurance (FR 44 Florida and FR 44 Virginia) requires DUI-convicted drivers to carry double the amount of the state’s minimum coverage limit.

If you need FR-44 insurance, you’ll need a medium coverage limit, which is: $50,000 for bodily injury of one person, $100,000 for bodily injury of multiple people, $50,000 for property damage (or 50/100/50).

SR-22 insurance demands the minimum car insurance requirements. Therefore, the coverage limits would be 10/20/10 for Florida car insurance and 25/50/20 for Virginia car insurance.

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

Yes. You may need FR-44 insurance if you drive someone else’s car. A close relative, friend, or roommate can add you as a driver, but it could increase their policy cost.

If you’re in a position where you can’t find anyone that will add you to their car insurance policy, you should consider non-owner car insurance. It’ll be more expensive, but you can attach an FR-44 insurance certification to the policy if your auto insurance company offers it.

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

While there isn’t an FR-44 insurance company, you buy FR-44 insurance from companies that provide non-standard car insurance. You may be a DUI-convicted driver, but it doesn’t disqualify you for discounts. If the discounts aren’t enough, get rid of coverage options you don’t need.

Now that you know more about FR-44 insurance, it’s time to buy FR-44 car insurance. Use our free online quote tool by entering your ZIP code below to compare the car insurance quotes in your local area.