FR-44 in Florida and Virginia: Navigating Insurance After a DUI Conviction
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FR-44 insurance is a certification process required in Florida and Virginia for drivers who have DUI convictions and other severe traffic violations. It's not an insurance policy itself, but a form proving to the state that the driver is maintaining auto insurance coverage that meets the higher insurance requirements imposed on drivers who have commited a major moving violation.
Learn what your state's FR-44 obligations are as well as what you can do if you don't have a vehicle.
How Does FR-44 Insurance Work?
An FR-44 is a certificate filed by your insurance company on your behalf with the Department of Motor Vehicles (DMV) that proves a driver's insurance coverage meets state requirements for financial responsibility. In Florida and Virginia, it is necessary to reinstate a driver's license after certain serious traffic violations, such as a DUI or operating a vehicle after the forfeiture of a driver’s license.
What Are the Requirements for FR-44 Insurance?
If you’re convicted of a major moving violation and must meet FR-44 filing requirements, you will be required to purchase higher insurance limits.
*Will update to $100,000/$200,000/$50,000 for policies starting in 2025
How Much Does FR-44 Insurance Cost?
Filing an FR-44 certificate typically costs between $15 and $25 but the price of the associated policy depends on factors like age, location and vehicle type. In addition to the filing fees, as an FR-44 is required for high-risk drivers, it demands higher minimum coverage limits than standard policies. Therefore, expect to pay more for an FR-44-compliant policy than for regular auto insurance.
Who Needs FR-44 Insurance?
The moving violations that would necesitate a driver to file an FR-44 certificate will differ in Virginia and Florida. Virginia, for example, specifically states that an FR-44 certification is mandated for drivers who are guilty of:
- Maiming under the influence
- Driving under the influence of intoxicants or drugs
- Driving after the driver's license has been forfeited due to a conviction or a finding of not innocent in a juvenile case
- Violating similar federal laws, laws of other states or local ordinances related to the above offenses
Florida, on the other hand, will require an FR-44 only if a person is convicted of a DUI.
How Long Do You Need FR-44 Insurance?
You usually need to keep an FR-44 filed with your state's DMV for three years. If you maintain coverage and a good driving record during this time, you can drop the FR-44 requirements and return to a standard policy that meets the state’s normal insurance requirements. This can help you save on car insurance since you will no longer be paying for the higher limits associated with FR-44s.
What’s the Difference Between FR-44 Insurance and SR-22 Insurance?
In 2024, the mandated insurance limits for FR-44 requirements are higher than SR-22 requirements. In Virginia, FR-44 requirements are double the SR-22 requirements. Meanwhile, in Florida, the liability requirements are five times higher if you have to file form FR-44 versus if you have to file form SR-22.
Perhaps the biggest difference is that FR-44s are not used in most states. Instead, SR-22s are used as a catch-all for several types of moving violations including driving under the influence or driving with a suspended license. Florida and Virginia, on the other hand, use SR-22s for what could be considered minor traffic violations.
How To Submit an FR-44 Form
Car insurance companies will typically be the ones who will submit the appropriate form to the DMV. After that, all you'll have to do is maintain the required coverage for the next three years. Should you lose coverage, your carrier will need to inform your state's authorities.