FR-44 Auto Insurance in 2024 (Get the Facts)
On average, FR-44 auto insurance in Florida costs $106/month. The cost of FR-44 insurance is driven by the higher liability limits, required after violations like DUIs. An FR-44 policy is used only in Florida and Virginia, where stricter FR-44 auto insurance requirements significantly raise monthly premiums.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Nov 4, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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 4, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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FR-44 auto insurance is a special type of certification required for drivers in Florida and Virginia who have committed serious violations, like a DUI. Unlike the more common SR-22, FR-44 has higher liability coverage requirements.
On average, premiums in Florida are about $106.67 a month and around $85 a month in Virginia. This certification must be maintained continuously for three years, and any break in coverage can reset the timeline. If you are one of those who don’t own a car, non-owner FR-44 policies are available and can sometimes be more affordable.
Exploring quotes from providers like Geico, Progressive, or State Farm can help manage costs. FR-44 insurance is crucial for getting your license back and showing you’re financially responsible as a driver.
Read more: What are SR-22 and FR-44 insurance in Florida?
Enter your ZIP code in our free quote tool to compare FR-44 auto insurance rates and unlock the perfect coverage for you at an affordable rate.
- FR-44 forms are required in Virginia and Florida for serious violations like DUIs
- They serve as proof of required insurance before you can drive legally again
- Rates may increase by 66% when an insurer submits FR-44 insurance for you
FR-44 Auto Insurance Form: Explained
Although you might hear it referred to as insurance, FR-44 is not a type of coverage. Instead, it’s a certificate you must submit to your DMV to prove that you meet the insurance requirements in your state.
The meaning of FR-44 insurance is very similar to SR-22 certificates but requires more coverage. They’re also available in fewer states — only Florida auto insurance and Virginia auto insurance laws require FR-44 certificates as another type of proof of financial responsibility.
Monthly Florida SR-22 and FR-44 Insurance Rates by Driving Record
| Florida Insurance Company | SR-22 Insurance Rates with Tickets | SR-22 Insurance Rates with Accidents | FR-44 Insurance Rates with DUI/DWI |
|---|---|---|---|
 | $198.76 | $242.02 | $230.60 |
 | $219.10 | $283.35 | $311.98 |
 | $283.09 | $323.40 | $315.48 |
 | $155.34 | $122.93 | $194.26 |
 | $209.85 | $197.68 | $282.60 |
 | $119.59 | $143.68 | $215.43 |
 | $235.02 | $277.19 | $207.76 |
 | $106.67 | $114.59 | $106.67 |
 | $226.18 | $234.31 | $347.20 |
| State Average | $194.89 | $215.44 | $245.44 |
Furthermore, when looking at FR-44 insurance costs in Virginia, keep in mind that prices vary based on factors like your driving history and coverage limits. It’s wise to compare FR-44 auto insurance quotes in Virginia from different providers like Geico, Progressive, and State Farm to find a policy that meets your needs and budget.
With FR-44 insurance, it is possible to drive someone else’s car, provided you maintain the required coverage. However, it’s important to note that the average cost of FR-44 insurance in Florida is typically higher because of more stringent minimum coverage requirements.
Liability Auto Insurance Rates by Provider in Virginia and Florida
| Insurance Company | Virginia | Florida |
|---|---|---|
| $60 | $90 |
| $58 | $88 |
| $62 | $93 |
| $45 | $75 |
| $65 | $95 |
| $50 | $82 |
| $55 | $85 |
| $50 | $80 |
| $60 | $90 |
 | $40 | $70 |
To ensure compliance and proper protection for both your vehicle and any borrowed cars, it’s crucial to have a solid grasp of the FR-44 auto insurance form. Knowing these details will help you navigate your insurance needs effectively.
FR-44 Auto Insurance Requirements in Virginia and Florida
Virginia is one of the few states that doesn’t require a minimum amount of insurance, but its FR-44 requirements are relatively steep. Virginia drivers need the following insurance to satisfy an FR-44 requirement.
- Bodily injury liability — $60,000 per person
- Bodily injury liability — $120,000 per accident
- Property damage liability — $40,000 per accident
Florida has minimum insurance laws but requires much more coverage to satisfy an FR-44 certificate. Floridians must carry the following.
- Bodily injury liability — $100,000 per person
- Bodily injury liability — $300,000 per accident
- Property damage liability — $50,000 per accident
When you need FR-44 auto insurance, you’ll typically receive a notification in your mailbox. If the DMV in Florida or Virginia requests an FR-44 certificate from you, you must provide proof of FR-44 auto insurance before you’re allowed to drive again.
However, according to Florida FR-44 auto insurance rules, you can’t submit the forms yourself. Instead, an insurance representative must handle the submission on your behalf.
Drivers who are mandated to meet FR-44 auto insurance requirements must maintain continuous coverage for three years. If the policy lapses at any point during the three-year period, the mandatory coverage timeline resets, meaning the driver must start the entire three-year requirement over again.
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When are FR-44 Auto Insurance Certificates Required
There are a variety of reasons that the Florida or Virginia DMV might demand FR-44 auto insurance from you. These include:
- DUI/DWI charge
- Repeat traffic offenses
- Causing an accident when you’re driving without auto insurance
- Causing too many accidents
- Serious infractions, like reckless driving
- Skipping child support payments
- After a license suspension or revocation
- Hardship licenses, which allow you to drive with a suspended license so you can go to work
No matter what reason you need an FR-44 certificate, you must follow your state’s laws. However, you don’t need to handle everything by yourself. It’s helpful to familiarize yourself with your state’s FR-44 laws, but your insurance company will know exactly what you need.
Additionally, exploring the world of cheap FR-44 insurance in Virginia can be tough for you because of the high liability limits set after major violations. Those who require FR-44 auto insurance must ensure they meet these state rules to drive legally.
When you are in Florida, the situation is similar, where the FR-44 auto insurance requirements often demand even higher coverage amounts. FR-44 insurance without a vehicle is also crucial for some individual to consider, as this can help fulfill the necessary conditions to regain their driving rights.
How Do You Get FR-44 Auto Insurance
FR-44 requirements might feel complicated, but getting what you need is relatively easy, especially when you already have coverage. If you already have a policy, you should speak with a representative from your company. They’ll be able to set up the FR-44 insurance that you need. There is a risk that your company will drop you as a customer, but most will continue to work with you.
If you don’t have insurance, finding FR-44 coverage is as easy as finding a standard policy. When you apply for coverage, let the company know you’ll need FR-44 insurance. Your rates will be higher, and you might see a few rejected applications, but finding coverage shouldn’t be too challenging.
Additionally, if you want to secure FR-44 auto insurance, you should first contact your current insurance provider if you already have a policy. They will assist you in obtaining FR-44 insurance for individuals who do not own a vehicle in Florida.
Be aware that the FR-44 auto insurance cost may be higher due to the uplifted liability limits authorized by law. If you need FR-44 auto insurance in Virginia, it’s advisable to connect with local insurance agents who can guide you through the specific requirements and available options in your area.
Read more: What are SR-22 and FR-44 insurance in Virginia?
How Much Does FR-44 Insurance Cost
Getting FR-44 insurance is simple, but you’ll have to pay higher rates. Insurance rates are higher for drivers who need an FR-44 certificate because they represent a higher risk for future claims. You’ll also see increased rates for whatever reason you need FR-44 insurance in the first place. For example, finding cheap auto insurance after a DUI is especially difficult.
DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider
| Insurance Company | Clean Record | DUI Record |
|---|---|---|
| $150 | $290 |
| $140 | $275 |
| $155 | $305 |
| $120 | $240 |
| $160 | $310 |
| $140 | $280 |
| $135 | $270 |
| $130 | $255 |
| $145 | $295 |
| $110 | $225 |
Additionally, when adding an FR-44 form to your Geico insurance, you’ll have to pay a monthly fee to file the form. Every company is different, but most charge between $15 and $25.
It’s important to let your company know when you no longer need FR-44 insurance so your monthly fees stop. FR-44 insurance through Progressive can also offer varying rates and payment options, so it is worthwhile to explore your options
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How Do You Get FR-44 Insurance Without Auto Insurance
Drivers who need FR-44 insurance usually have their license suspended until they can prove their financial responsibility. That means you’ll need to purchase car insurance if you don’t have an existing policy. That’s easy enough when you own a car, but it can be much more difficult to get your license back when you don’t own a car.
Car insurance premiums in Florida have rocketed up *88%* this year 📈
Some of the drivers…
— Higher cost of cars
— Increase in fraudulent insurance claims
— Higher labor/parts replacement costs[From today’s CDG Newsletter — Get it free: https://t.co/Hac2DbHEtQ] pic.twitter.com/Wd22KTFmQH
— Car Dealership Guy (@GuyDealership) November 30, 2023
When you need FR-44 insurance without a vehicle, you should consider a cheap non-owner auto insurance policy that will allow you to prove financial responsibility and reinstate your license.
Non-owner insurance covers you when you drive someone else’s vehicle. FR-44 non-owner insurance comes with another perk: It’s cheaper than a standard policy.
Find the Right FR-44 Insurance Today
Getting FR-44 insurance is a hassle no one wants to deal with, but it’s not as tricky as you might think. Rates will be higher, but you must meet FR-44 insurance requirements in Florida or Virginia. Driving without FR-44 insurance will have serious consequences, so it’s best to maintain your coverage.
One of the most critical steps in finding affordable coverage is comparing quotes. Make sure to compare as many companies as you can to ensure that you will have the best rates possible.
FR-44 insurance in Florida and Virginia has stricter liability requirements and higher costs, making continuous coverage essential after serious traffic violations.Schimri Yoyo Licensed Agent & Financial Advisor
For those individuals who are required to have a compliance certificate, Geico FR-44 insurance in Virginia offers tailored coverage options that suit unique situations. If you value flexibility, consider FR-44 auto insurance with monthly payments, which can ease the burden of the generally higher premiums associated with this type of policy.
It’s also important to keep in mind the monthly payments for FR-44 insurance in Florida, as these rates can vary significantly based on personal circumstances. By assessing these different options, you can effectively find the insurance solution that fits your needs and ensures compliance with state regulations.
Read more: Does auto insurance pay over the limit of bodily injury to settle lawsuits?
Start comparing total coverage auto insurance rates by entering your ZIP code below.
Frequently Asked Questions
What is FR-44 auto insurance?
FR-44 auto insurance is a specific type of financial responsibility filing required for certain drivers who have been convicted of serious traffic offenses, typically related to driving under the influence (DUI) or driving while intoxicated (DWI). It is an insurance policy that provides increased liability coverage limits mandated by the state.
How long does FR-44 insurance last?
Similar to SR-22 insurance, drivers must file FR-44 forms for three years. If your coverage lapses at any time during these three years, your time will start over. If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.
Where do you need FR-44 insurance?
FR-44 insurance is required in Florida and Virginia. FR-44s in Florida require much more insurance than their minimum requirements. FR-44s in Virginia require a little less coverage but last just as long.
Read more: DWI vs. DUI Differences Explained
What is the difference between SR-22 and FR-44 insurance?
The main difference between SR-22 and FR-44 insurance is that SR-22 certificates require less coverage. SR-22s are also required in most states, while FR-44 is required only in Virginia and Florida.
How much does FR-44 insurance cost?
While every situation is unique, the average driver pays about 66% more for insurance than people who need a standard policy. You’ll also need to pay a monthly fee between $15 and $25 for your insurance company to file FR-44 forms for you.
Which states require FR-44 auto insurance?
Currently, only two states require FR-44 auto insurance: Florida and Virginia. If you have been convicted of a severe traffic offense, such as DUI or DWI, in either of these states, you will likely need to obtain an FR-44 policy. Explore our DUI Definition and Implications guide to learn how a DUI could require FR-44 auto insurance in Florida and Virginia.
Can I cancel my FR-44 auto insurance once the required period is over?
It is essential to consult with your insurance provider and the relevant authorities to determine if you can cancel your FR-44 auto insurance once the mandatory period is over. While some states may allow cancellation, others might require you to maintain continuous coverage, such as switching to a standard auto insurance policy with higher liability limits.
How does FR-44 auto insurance affect my insurance premiums?
FR-44 auto insurance typically results in higher insurance premiums compared to standard auto insurance policies. This is due to the increased liability coverage limits required by FR-44 policies and the serious nature of the offenses that led to the requirement. Insurance providers consider factors such as your driving history, age, and vehicle type when determining the premium amount.
Can I switch insurance providers while having an FR-44 policy?
Yes, you can switch insurance providers while having an FR-44 policy. However, there are a few important considerations to keep in mind; the top four include:
- Verify FR-44 coverage
- Continuous coverage
- Notify your previous insurer
- Provide required documentation
Remember, compliance with the state’s FR-44 requirements is crucial, so it’s advisable to consult with your new insurance provider and the relevant authorities to ensure all necessary steps are followed correctly.
Read more: Best Auto Insurance After a DUI in Florida
What is FR-44 insurance in Virginia?
FR-44 insurance in Virginia is a special type of car insurance required for drivers who have certain convictions, such as a DUI. It requires higher liability coverage limits than regular insurance to ensure more financial protection. Drivers need FR-44 insurance to restore their driving privileges, and the insurance provider files an FR-44 form with the state to confirm that the driver has the required coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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.