Compare FR-44 Insurance: Rates, Discounts, & Requirements [2025]
FR-44 insurance restores your driving privileges after a DUI or DWI-related conviction. A driver can't file an FR-44, but a car insurance company has to file an FR-44 car insurance form on your behalf. FR-44 insurance policies can cost at least $1,152 a year. Shop around and compare multiple companies to secure the best FR-44 auto insurance.
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Table of Contents
Table of Contents
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated January 2024
- FR-44 is required if you’re a high-risk driver with a DUI/DWI conviction
- Florida and Virginia are the only states with FR-44 certification
- You’ll need to have double the minimum car insurance requirements if you have FR-44
Did you know FR-44 car insurance isn’t insurance? However, car insurance companies have to file FR-44 for specific drivers.
But why do drivers need FR-44 insurance? Don’t worry – we’re here to help.
Read through this short guide to see why some drivers are required to have FR-44, how it affects car insurance rates, and why you should shop with the best car insurance companies.
After you learn everything about FR-44 car insurance, enter your ZIP code in the free online quote tool above to compare multiple companies near you.
How does FR-44 car insurance work?
FR-44 is not insurance. FR-44 is known as a certification of financial responsibility (CFR).
Drivers with DUI or DWI-related convictions require FR-44 certification to restore their driving privileges.
However, you can’t get FR-44 without an auto insurance company. Car insurance companies can file FR-44 to your state’s department of motor vehicles.
But where can you get FR-44? Read the subsections below to learn where FR-44 is located.
Read More: Compare Best Car Insurance Companies That Accept DUI
Where can I get FR-44 certification?
FR-44 auto insurance is only available in Florida and Virginia. Although Virginia and Florida have FR-44, the coverage limits for both states vary. You can compare Florida car insurance rates and compare Virginia car insurance rates for more information.
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What’s the difference between SR-22 car insurance and FR-44 car insurance?
SR-22 requires you to carry the minimum requirements. Meanwhile, FR-44 demands high-risk drivers to have double the minimum coverage limits.
SR-22 car insurance is not as nearly as expensive as FR-44. And SR-22 certification is found in most states, but FR-44 is only in Florida and Virginia.
When is FR-44 certification required?
If you’ve been convicted of DUI or DWI, Florida and Virginia state law demands that you get FR-44. Finding the best car insurance for drivers with a DUI can take a lot of research and time.
DUIs and DWIs will significantly drive up your car insurance rates, in almost all cases.
Causing bodily injury while driving under the influence is another reason why you need FR-44.
Florida and Virginia motorists that are caught driving without a license due to a DUI conviction are required to get FR-44.
Can I get FR-44 without a car?
The short answer is yes. FR-44 insurance without a vehicle is the same as non-owner car insurance. However, non-standard auto insurance is more expensive than standard insurance.
Read on to see FR-44 requirements in both states.
What are the FR-44 car insurance requirements in Florida and Virginia?
Here are the FR-44 requirements for Florida and Virginia.
FR-44 Insurance Florida Requirements:
- $100,000 for injury or death to one person
- $300,000 for injury or death of multiple people
- $50,000 for property damage liability
FR-44 Insurance Virginia Requirements:
- $50,000 for bodily injury or death to one person
- $100,000 for bodily injury or death of multiple people
- $40,000 for property damage liability
Since FR-44 demands higher coverage levels, you’ll pay more. If you want to know how FR-44 affects auto insurance, continue reading.
Does FR-44 affect car insurance rates?
FR-44 certification forms cost between $15 and $25. Many factors determine whether affordable FR-44 car insurance is available to you.
What about costs? To get the cheapest FR-44 car insurance rates, you should get liability-only coverage.
You can get liability-only car insurance coverage for as low as $1,728 per year in Florida and $1,152 a year in Virginia.
If you still make payments on your car, you’ll pay at least 49% more for car insurance. However, your FR-44 car insurance quotes vary for each person.
Can I pay FR-44 car insurance installments?
Florida law dictates that all FR-44 policies must be paid in full. Virginia doesn’t have this law and allows drivers to enroll in a payment plan program.
If you do pay your FR-44 policy in full, you may be eligible for car insurance discounts.
What if I can’t afford FR-44 car insurance?
Shop around for an FR-44 car insurance company with affordable rates. Direct Auto and Dairyland are known to carry non-standard auto insurance.
But it won’t hurt to keep shopping around for auto insurance in your local area.
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Can I cancel FR-44 car insurance?
The answer is no. FR-44 lasts for three years. After three years, if your car insurance company determines that you’re still a high-risk driver, you’ll have to get FR-44 again.
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FR-44 Car Insurance: What’s the bottom line?
FR-44 is attached to high-risk auto insurance. And high-risk drivers have more expensive car insurance rates. But there’s a way to get affordable car insurance.
Before you buy FR-44 car insurance, use our free online quote tool to compare the best insurance companies in your area.
Frequently Asked Questions
How does FR-44 car insurance work?
FR-44 is a certification of financial responsibility required for drivers with DUI or DWI convictions. Car insurance companies file FR-44 on behalf of these drivers to restore their driving privileges.
Where can I get FR-44 certification?
FR-44 is available in Florida and Virginia, with different requirements in each state.
What’s the difference between SR-22 and FR-44 car insurance?
SR-22 is for minimum coverage, while FR-44 requires higher coverage limits. SR-22 is available in most states, while FR-44 is only required in Florida and Virginia.
When is FR-44 certification required?
FR-44 is required after a DUI or DWI conviction in Florida or Virginia.
Can I get FR-44 without a car?
Yes, you can get non-owner FR-44 insurance, but it’s usually more expensive.
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