The world of car insurance is full of confusing names, but the FR-44 and the SR-22 may take the cake, sounding more like fighter jets than insurance forms.

There’s no need to fear, however. You’ll learn everything you need about the FR-44 in our comprehensive guide (and if you’re researching the FR-44’s sister form, the SR-22, instead, we have a guide for that, too!).

But regardless of what form you use, you’ll still need car insurance. Insurify uses cutting-edge AI technology to deliver you dozens of quotes for cheap car insurance from leading national insurers like State Farm and Nationwide––free of charge and with no spam calls. It’s a promise. 


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What is an FR-44? 

The FR-44 isn’t a type of insurance. Instead, it’s a form––a certificate of financial responsibility demonstrating that you own an auto insurance policy.

Not every driver needs to fill out an FR-44. Typically, state motor vehicle departments or DMV’s require that drivers fill out an FR-44 after a DUI/DWI or another serious traffic violation––if an uninsured driver fled the scene of an accident, to name just one example.

A department of motor vehicles can also require that a driver fill out an FR-44 certificate if your driver’s license and driving privileges have been suspended in the past.

How is an FR-44 different than a SR-22?

FR-44 and SR-22 forms are conceptually very similar. 

Both forms are required by state motor vehicle departments as proof of car insurance from high-risk drivers who have committed some sort of traffic offense in the past. 

But FR-44 policies, unlike SR-22s, are only used in the states of Florida and Virginia. The state of Florida and Virginia also give out SR-22s to drivers. This may initially seem confusing, but there’s a key difference between which drivers get which forms in those states: FR-44s are reserved for drivers with more serious traffic convictions or citations. For example, a Floridian driver might receive an SR-22 for getting too many speeding tickets, but an FR-44 for driving under the influence. 

Both the FR-44 and the SR-22 come with certain insurance requirements that they mandate for drivers, to ensure that all parties are fully covered should the driver cause another traffic incident. Because an FR-44 form is for the riskiest drivers, it also requires a higher liability coverage limit than an SR-22, which means that car insurance is generally more expensive for those with an FR-44 than an SR-22. 

That difference in coverage limit can be significant. For example, an SR-22 insurance form in Florida only requires that the driver carry $10,000 of bodily injury liability, $20,000 of bodily injury liability per accident, and $10,000 of property damage liability coverage per accident.

By contrast, an FR-44 in the same state will mandate that drivers carry $100,000 to $300,000 worth of bodily injury liability coverage and $50,000 of property damage liability insurance. Because the liability limits are so much higher for an FR-44, an FR-44s car insurance premiums will likely cost more as well.

How long do I need FR-44 insurance for?

The amount of time that an FR-44 is required to remain on an insurance policy varies by state and by individual case, but usually lasts from one to four years. Additional traffic offenses on the part of the driver may extend that length of time even further. 

If a driver cancels their insurance coverage, their FR-44 will be gone as well, and they may have to deal with a suspended license or other repercussions. If your FR-44 does expire, it’s important to remember that there can always be a reinstatement of the FR-44 if you continue to incur traffic citations or violations. 

How much does FR-44 insurance cost?

Because the FR-44 form is not an insurance type but rather a certificate, there’s no average insurance cost. Typically, an insurance company will charge a filing fee of $20 or $30 to submit the form.

Unfortunately, the cost of an FR-44 filing isn’t the only cost associated with the form. 

Drivers with FR-44s are almost always considered high-risk––they’ve committed traffic violations or other risky actions behind the wheel in the past. For that reason, car insurance companies will instate far higher insurance premiums for such drivers. Check out Insurify’s data on how average car insurance rates can increase for high-risk drivers below. 

Average Monthly Car Insurance Cost: Clean Record vs. One Accident

Accident Type Average Monthly Premium
Clean Record $236
One Accident (At-Fault and Not At-Fault) $276
One At-Fault Accident $284

That said, there’s no need to despair! Many car insurance companies specialize in providing insurance for high-risk drivers or those with a DUI conviction. And there are many steps that you can take to lower your insurance rates regardless of your FR-44 status: comparing quotes with Insurify, paying for your policy online or upfront instead of as monthly payments, or improving your credit score, to name just a few. 

What if you’re no longer driving, but still required to own an FR-44 by state law? That’s when something called non-owner car insurance comes into play. Non-owner car insurance is just what it sounds like––insurance for people who don’t own a car, but who still want or need to own car insurance. Because policyholders typically drive much less than those on typical car insurance plans, A non-owner policy is much less expensive than the conventional alternative, and therefore a good choice for those with spotty driving records

Quick Questions About the FR-44

What is an FR-44?

The FR-44 isn’t a type of insurance. Instead a certificate of financial responsibility demonstrating that you own an auto insurance policy. An FR-44 is used by the states of Florida and Virginia to ensure that high-risk drivers who have been in prior traffic incidents retain a car insurance policy.

What is the difference between an FR-44 and an SR-22?

An FR-44 is only used in the states of Florida and Virginia. FR44 requirements mandate higher coverage limits for drivers than an SR-22’s do, which means FR-44’s make car insurance more expensive than SR-22’s. FR-44’s are also reserved for the riskiest drivers. They’re mandated less for minor violations speeding tickets, and more for serious violations like DUI’s.

Where can I buy FR-44 insurance?

Most insurance providers or insurance agents will file and register an FR-44 form for a low fee of $20 or $30. That doesn’t count the increase in premiums drivers are likely to see as a result, however. The best way for drivers with an FR-44 to find a car insurance plan is through a quote-comparison site like Insurify.

Conclusion: How to get the best and cheapest car insurance

Whether you’re dealing with an FR-44, SR-22, or neither, one of the most important ways to save on car insurance quotes is to shop around and compare prices from many different providers. And Insurify doesn’t only provide quotes for car insurance. Homeowners can also compare dozens of personalized, affordable home insurance quotes as well.

On average, Insurify customers save an average of $585 per year on car insurance. With an average user rating of 4.8/5 from 3,000+ reviews, Insurify is the #1 highest-ranked insurance comparison platform in America. Compare quotes and coverage requirements with Insurify today!

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Updated January 8, 2021

Isabella is from Cleveland, Ohio. She graduated from Columbia University in 2020 with a double major in English and Creative Writing. Though writing is her first passion, she also loves hiking, biking, hang gliding, white water rafting, skydiving, extreme eating, and the occasional swim with sharks.