FR-44 Auto Insurance

FR-44 auto insurance is a type of certificate that proves a DUI-convicted driver has auto insurance. An FR-44 car insurance certificate shows that the high-risk driver has shown financial responsibility in accordance with state law. FR-44 auto insurance laws are common in Florida and Virginia. FR-44 auto insurance costs $15 to $25 to file, depending on your age. Since FR-44 insurance isn't an actual auto insurance policy, you'll need to compare multiple companies and shop around to find high-risk driver auto insurance.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 15, 2021

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Things to Remember

  • FR-44 auto insurance is a certificate for a high-risk driver who’s been convicted of DUI/DWI.
  • Virginia and Florida are the only two states that have FR-44 auto insurance certification.
  • An auto insurance company can help you file for FR-44 auto insurance.

FR-44 auto insurance is Florida’s and Virginia’s answer to drivers who’ve been convicted of DUI/DWI. The FR-44 insurance program lets the state know that the convicted driver has high-risk auto insurance with a company in the local area.

As a high-risk driver, it’s going to be a challenge when you look for cheap auto insurance—but we’re here to help you find affordable FR-44 auto insurance.

You won’t find FR-44 auto insurance quotes because the FR-44 program isn’t equivalent to an auto insurance policy. Continue reading our guide to learn more about FR-44 car insurance.

Although you won’t find FR-44 auto insurance rates, you can enter your ZIP code in the FREE comparison tool above to compare multiple companies in your area.

What is FR-44 Auto Insurance?

FR-44 auto insurance isn’t an auto insurance policy, but it’s a certification that says that a DUI-convicted driver has financial responsibility if they get into an accident. FR in FR-44 stands for financial responsibility.

GEICO’s DWI policy is known for its FR-44 auto insurance compliance in Virginia and Florida.

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How much is the FR-44 auto insurance fee?

The FR-44 insurance fee cost between $15 to $25. Once you have an FR-44 certificate, you’ll be able to keep it as long as you’re insured. Any gaps in auto insurance will require you to sign up for FR-44 car insurance certification again.

Therefore, you’ll need to buy FR-44 auto insurance before the auto insurance provider gives you a non-standard policy.

Speaking of non-standard, you’ll notice that the minimum required limits for FR-44 insurance is twice as much as the minimum state requirements in Florida and Virginia. Let’s look at the coverage limits for FR-44 insurance recipients.

FR44 Minimum Requirements for Auto Insurance
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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According to Florida Highway Safety and Motor Vehicles, the minimum requirements for auto insurance in Florida is $10,000 for bodily injury of one person per accident, $20,000 for bodily injury of multiple people per accident, and $10,000 for property damage per accident.

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

FR-44 and SR-22 are designed to give auto insurance to high-risk drivers. However, the SR-22 insurance program demands less on the driver’s coverage limits.

For example, Virginia’s SR-22 coverage limits for bodily injury is $25,000 for one person per accident. Under FR-44, however, the coverage limits are $50,000 for one person per accident, according to the Virginia DMV.

There are more differences, which we’ve clarified below. Take a look.

3 Reasons Why You Need FR-44 Insurance or SR-22 Insurance
3 Reasons Why You Need FR-44 Auto Insurance3 Reasons Why You Need SR-22 Auto Insurance
Causing Injury While Driving Under The InfluenceDriving With A Suspended Driver's License
Driving Under The Influence of Alcohol or DrugsReceived A Citation For Failing To Maintain The Minimum Auto Insurance Requirements
Driving With Revoked Driver's License Due To A ConvictionYou've Been Convicted Of Serious Driving Violations Like Reckless Driving
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There’s not much difference in FR-44 and SR-22 certification. FR-44 leans more toward drivers convicted of DUI, while SR-22 targets drivers who are convicted of general driving violations. You may be able to get cheap SR-22 auto insurance if you search hard enough.

How do you get FR-44 auto insurance without a vehicle?

If you don’t own a vehicle but still need car insurance, you can enroll in non-owner car insurance. This could meet the FR-44 insurance requirement; however, you may have to file an FR-44 form with the state anyway.

Most auto insurance companies will file for you and alert the state that you’re insured, but you’ll pay higher premiums for non-owner auto insurance. Also, it helps the driver remain insured until their insurance history improves.

Non-owner auto insurance has liability-only perks that pay for injuries and property damage of the other party when you’re at fault in an accident.

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FR-44 Auto Insurance: The Bottom Line

If you live outside Florida and Virginia, you don’t have to worry about FR-44 insurance certification. If your driver’s license is suspended, don’t drive your vehicle until your driver’s license is reinstated.

However, drivers in Florida and Virginia may have to enroll in FR-44 if you have a history of driving recklessly, driving while revoked, or driving under the influence that causes injury.

Now that you know more about FR-44 auto insurance, start comparing quotes in your area by entering your ZIP code in the FREE comparison tool below.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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