What Is FR-44 Insurance, and Who Needs It? (2024)

An FR-44 isn’t a type of insurance. It’s a form Virginia and Florida require of certain high-risk drivers.

Daria Kelly Uhlig
Daria Kelly Uhlig
  • Licensed Realtor with 10+ years in personal finance content

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Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
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Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated April 17, 2024

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If you lost your driver’s license because of a DUI conviction or another major offense like reckless driving, you’ll need proof of auto insurance before you can get your license back. In Florida and Virginia, you’ll need to have an insurer file an FR-44 form with the state to certify that you’re insured.

But not all Florida and Virginia insurance companies offer FR-44 filing. And an FR-44 requires you to carry more than the state’s minimum amount of liability coverage, so it’s important to compare quotes from multiple insurers to find one that will file an FR-44 on your behalf.

Quick Facts
  • Another name for an FR-44 is a certificate of financial responsibility.

  • The form is similar to the SR-22, but it’s used for more serious violations, like DUI convictions and driving with a suspended license.

  • Drivers typically must file an FR-44 for three years.

Best insurance companies for FR-44 insurance

Insurance is expensive for drivers with an FR-44, so it pays to explore all your options. The following insurers have some of the lowest monthly rates on liability-only and full coverage for these high-risk drivers.

Insurance CompanyFull CoverageLiability OnlyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
State Farm$180$844.5
GEICO$184$844.2
Safeco$195$1053.8
Allstate$214$964.2
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best for low FR-44 rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo

State Farm earned Insurify’s highest IQ Score and is J.D. Power’s top-rated auto insurance company for Florida. The insurer acknowledges that high-risk insurance is expensive but gives drivers ways to help lower their premiums.

Pros
  • Offers competitively low FR-44 rates

  • High customer satisfaction

Cons
  • Can’t purchase a policy online

  • Doesn't offer gap insurance

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Best for drivers with newer vehicles: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo

GEICO’s reputation for low car insurance rates extends to its policies for drivers needing FR-44s. The company offers a number of extra coverages, including mechanical breakdown insurance. GEICO’s generous discounts for vehicle safety features could help drivers with FR-44s reduce their premiums.

Pros
  • Low rates on high-risk policies

  • Extensive and highly transparent discounts

Cons
  • Relatively few agents in Virginia

  • Can’t request an FR-44 online

Read our GEICO review
Andy - April 15, 2024
Verified

Unexpected Rate Increase

I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.

Jerrett - April 15, 2024
Verified

Poor

Too expensive.

Randy - April 15, 2024
Verified

Good

It's a good company, but I feel the price keeps going up.

Best for bundling: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$68/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$126/mo

Safeco is a Liberty Mutual company that focuses strictly on personal insurance. If you buy both a home or renters policy and auto policy through Safeco, you could qualify for a significant bundling discount. It also has an A (Excellent) AM Best rating for financial strength.

Pros
  • Affiliation with Liberty Mutual, one of the largest U.S. insurers

  • Bundling discount available

Cons
  • Ranks relatively low on J.D. Power’s 2023 U.S. Auto Insurance Study

  • Can’t buy auto insurance online

Read our Safeco review
Gary - April 13, 2024
Verified

Excellent

A very good auto insurance company.

Tammy - April 8, 2024
Verified

Bad

The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.

Carol - April 6, 2024
Verified

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

Best for drivers who want to improve while saving: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$138/mo

Allstate is the fourth-largest U.S. car insurance company by market share and is available in all 50 states and Washington, D.C. Drivers with moving violations may be able to save by enrolling in Allstate’s Drivewise usage-based telematics program. The telematics tool tracks driving behaviors and rewards good driving with discounts.

Pros
  • A+ (Superior) financial strength rating from AM Best

  • One of the largest selections of insurance types and coverages

Cons
  • Lackluster J.D. Power customer satisfaction rating in the Mid-Atlantic region, which includes Virginia

  • Poor driving habits could result in higher rates for Drivewise users

Read our Allstate review
Michael - April 16, 2024
Verified

Poor Customer Service and Website

The customer service is poor. The website is also poor.

Roderick - April 16, 2024
Verified

Searching for a Good Agent

It started out great, but since my agent retired, I don't feel welcome anymore.

Elinor - April 16, 2024
Verified

Very Good

My broker, Jarred Smoke, is terrific!

What is an FR-44 form?

An FR-44 form is a certificate of financial responsibility that proves a driver has at least the amount of minimum car insurance coverage their state requires for high-risk drivers. Florida and Virginia are the only states that use FR-44 forms. Drivers in those states with a suspended license due to a major offense, like a DUI (in Florida) or DWI (in Virginia), need an FR-44 form before they can have their driver’s license reinstated.

The form lists your personal and contact information, the name of your insurance company, and your car insurance policy number.[1] It also indicates whether you have non-owner car insurance (operator’s policy) or an owner’s policy. If you have an owner’s policy, the FR-44 will also list your vehicle information.

Your insurer will prepare and file the FR-44 with the DMV (Virginia) or Division of Motorist Services (Florida) on your behalf.

Find Affordable FR-44 Coverage in Florida

Rates start as low as $106/mo. for drivers with DUIs

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SR-22s vs. FR-44s

SR-22 forms and FR-44s are similar forms that serve the same purpose. Both provide proof of insurance to have your suspended license reinstated. However, they have some important differences.

FormCoverage RequirementsViolations
SR-22State-minimum liability coverageDUI or DWI, excessive points, driving with suspended license or without insurance, reckless driving
FR-44Additional coverage beyond state-minimum liability coverageDUI or DWI, driving with suspended license

The overlap between the violations that lead to an SR-22 and an FR-44 sometimes prompt insurers to file both forms for the same driver.

Who needs an FR-44 form?

Traffic courts or a state’s motor vehicle department may order a Florida or Virginia driver who lost their driver’s license because of a serious offense to get an FR-44 before the state will reinstate their license.

For example, if you caused an accident while under the influence of alcohol, and the other driver was injured in the crash, you’d likely lose your license for some period of time. Once the suspension period ended, you’d purchase a car insurance policy with the minimum amount of coverage the state requires after such a suspension, and your insurer would fill out and file your FR-44 form.

How Long Does a DUI Stay On Your Record?

How Long Does a DUI Stay On Your Record?

How an FR-44 form affects car insurance rates

The FR-44 form itself doesn’t affect car insurance rates, but the driver’s infractions leading to license suspension do. As a high-risk driver, you’ll need more coverage than you had before your license suspension.

Virginia has higher liability coverage requirements for drivers with an FR-44 — double the state’s minimum amount of liability insurance. Florida requires drivers with DUI convictions to purchase bodily injury liability insurance in addition to the state’s personal injury protection and property damage liability requirements. Drivers usually must carry this coverage and have an FR-44 certificate for at least three years.

These additional requirements contribute to the higher cost of FR-44 insurance. Drivers who need FR-44s also pay much higher rates because insurers view them as very high risk, and charge them accordingly.

Florida car insurance requirements

Florida law requires each driver to have $10,000 in personal injury protection coverage and $10,000 in property damage liability coverage. However, you’ll also have to carry bodily injury liability insurance if you’re required to file an FR-44. Minimums for that are $100,000 per person and up to $300,000 per accident. A minimum of $50,000 in property damage coverage is also required.[2]

Coverage TypeStandard RequirementFR-44 Requirement
Personal injury protection$10,000$10,000
Bodily injury protectionNot required$100,000/$300,000
Property damage liability$10,000$50,000

Virginia car insurance requirements

In 2024, Virginia requires drivers to carry $30,000 in liability insurance for the injury or death of one person, $60,000 for the injury or death of two or more people, and $20,000 in property damage coverage.[3] Those minimums increase to $50,000, $100,000, and $25,000, respectively, for policies that go into effect on or after Jan. 1, 2025.

Virginia law doubles those minimums for drivers required to file form FR-44.

Coverage TypeStandard RequirementFR-44 Requirement
Bodily injury liability (2024)$30,000 for injury or death of one person; $60,000 for injury or death of two or more people$60,000 for injury or death of one person; $120,000 for injury or death of two or more people
Property damage liability (2024)$20,000$40,000

The combination of high risk and higher coverage amounts means you’ll pay significantly more for your insurance if an FR-44 form is a condition of your license reinstatement.

Insurify analyzed proprietary data to calculate the following overall monthly averages for Florida and Virginia drivers with clean records compared to drivers with FR-44s.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

State NameClean RecordFR-44 Required
Virginia93107
Florida214237
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get cheap FR-44 insurance

Finding ways to reduce your car insurance premiums is especially important for drivers paying high rates for FR-44 insurance. Here are some tips from the Insurance Information Institute:

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Shop around

    Rates can vary dramatically from one insurer to another. Shop around for the best rates, but make sure the coverages are comparable.

  • illustration card https://a.storyblok.com/f/162273/100x100/9cd41581f2/savings.svg

    Select a higher deductible

    Setting your collision or comprehensive deductible higher will lower your premium. Just be sure you can afford to cover the deductible amount out of pocket in case of an at-fault accident.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    Practice safe driving

    Avoiding future moving violations and accidents is especially vital to lowering your insurance costs, especially if your driving history includes a license suspension.

  • illustration card https://a.storyblok.com/f/162273/x/9f249b61b8/bundling.svg

    Bundle policies

    Buying your auto and home or auto and renters insurance from the same company can earn you a discount.

Find Affordable FR-44 Coverage in Virginia

Rates start at $153/mo. for drivers with a DUI

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How to file an FR-44 form

Your insurance company will file your Virginia or Florida FR-44 form on your behalf. But it’s up to you to start the process of finding an insurer to file your FR-44 after a judge or your state’s department of motor vehicles tells you to get one.

Here’s how it works:

  • If you’ve not yet purchased insurance, do some comparison shopping to find the best rate.

  • Speak with an agent to verify that the insurer covers high-risk drivers and files FR-44s.

  • Purchase your coverage and ask the insurer to file the form.

  • The insurance company will complete the form with your information and the insurer’s and submit the form to the DMV (Virginia) or Division of Motorist Services (Florida).

The insurance company will likely charge you a small fee for filing the form.

How long will you need to file an FR-44?

In both Florida and Virginia, FR-44 requirements usually last three years, during which you’ll have to maintain your insurance coverage with no lapses. If coverage lapses, your license could be suspended again.

While you can’t end your FR-44 requirement early, you can prevent it from being extended beyond three years by:

  • Avoiding further violations

  • Paying your insurance bill on time to avoid a lapse in coverage

What Happens When Car Insurance Lapses?

What Happens When Car Insurance Lapses?

FR-44s for non-owner car insurance

If you drive someone else’s car instead of one you own and need to file an FR-44, you’ll have to purchase operator’s insurance instead of insurance for a vehicle owner. 

Whether you live in Florida or Virginia, your FR-44 will indicate that your insurance coverage is a non-owner’s car insurance policy that covers you while driving any vehicle not registered or titled to you.

FR-44 insurance FAQs

It’s important to understand the ins and outs of form FR-44. Otherwise, you risk making a mistake that could cause your driving privileges to be revoked again.

  • What does FR-44 insurance cover?

    FR-44 is not insurance, so it doesn’t provide coverage. It’s a form that verifies your insurance coverage so you can get your license reinstated after it’s been suspended for a major violation.

  • Who has the cheapest FR-44 insurance?

    State Farm, GEICO, Safeco, and Allstate have the lowest average rates. However, the cheapest auto insurer for one driver might not be the cheapest for another. The rate quotes you receive are based on your unique rating factors.

  • How is FR-44 coverage different from standard auto insurance?

    Because FR-44 is proof of coverage, not a type of insurance policy, it’s not possible to compare it to an insurance policy. But drivers who are required to file form FR-44 have special insurance coverage requirements that exceed the requirements for other drivers. Rates for drivers who need an FR-44 are typically double the averages for drivers with clean records because FR-44 drivers are considered very high risk.

  • How can you get rid of an FR-44 requirement?

    You can’t end your FR-44 requirement — it remains in place for whatever length of time the court or DMV mandated unless you end your insurance coverage, in which case you’d likely lose your license again. Typically, Florida and Virginia require it for three years. The best way to avoid having your FR-44 requirement extended is by maintaining a clean driving record and keeping your insurance policy active and in good standing.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Virginia Department of motor Vehicles. "VIRGINIA UNIFORM FINANCIAL RESPONSIBILITY CERTIFICATE."
  2. Florida Bar. "Consumer Pamphlet: Automobile Insurance."
  3. Virginia Department of Motor Vehicles. "Insurance Requirements."
Daria Kelly Uhlig
Daria Kelly Uhlig

Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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