What Is FR-44 Insurance, and Who Needs It? (2025)
An FR-44 isn’t a type of insurance. It’s a form Virginia and Florida require of certain high-risk drivers.
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Written byDaria Kelly Uhlig
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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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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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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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Table of contents
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 Company  | Full Coverage | Liability Only | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. |
|---|---|---|---|
| State Farm | $188 | $88 | 9.3 |
| GEICO | $187 | $87 | 9.0 |
| Safeco | $238 | $146 | 8.3 |
| Allstate | $210 | $101 | 8.9 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best for low FR-44 rates: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $55/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. | $117/mo |
4.1
Best choiceBased on 11,201 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,019)
Jim
June 11, 2025
Verified Review
Question answered
Great coverage with good discounts, except for windshield chip repair.
Jessica
June 9, 2025
Verified Review
No Money Saved
The cost continues to rise, even though I joined them in the first place in an attempt to save money, and I've done the opposite. All they want to do is sell me on everything rather than take care of the needs I'm asking to have addressed. They responded quickly when I had a new car to add to the policy, but as soon as I told them I did not want full coverage on the new car, I have yet to hear back from them, even after a follow-up message. They are apparently only seeking sales and not interested in taking care of their customers.
Vicki
June 9, 2025
Verified Review
State Farm
Good insurance, just too high for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best for drivers with newer vehicles: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| 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. | $127/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. | $155/mo |
4.0
Best choiceBased on 11,939 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,421)
William
June 10, 2025
Verified Review
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
Peter
June 8, 2025
Verified Review
Average Insurance. Constant Price Hikes.
Beware of the constant price hikes despite having no accidents or tickets for 40 years.
Philip
June 5, 2025
Verified Review
High Price for Full Coverage
They are good but offer no rate deductions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best for bundling: Safeco
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| 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. | $91/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. | $149/mo |
4.4
Best choiceBased on 864 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (488)
Jerri
June 6, 2025
Verified Review
SAFECO Ins. - Not for Me
WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!
Pat
May 30, 2025
Verified Review
Not Satisfied
Rates go up each year with no claims.
Thomas
May 22, 2025
Verified Review
Safeco handled my flood damage from Hurricane Ian satisfactorily.
Fine -- just noticed the costs have risen.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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
Best for drivers who want to improve while saving: Allstate
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| 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. | $63/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. | $131/mo |
3.9
A solid optionBased on 6,815 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,642)
Chrystal
June 11, 2025
Verified Review
Allstate - ehh
The agency is fine to work with. However, the rates continue to rise despite the fact I've never had a claim with them.
Carl
June 9, 2025
Verified Review
Water Damage, Master Bedroom Lost Ceiling, Walls, Trim, Furniture
When you have a claim, it should be paid according to the cost to repair the damage. No BS. Claim adjusters are not there to assist you; they're there to scam you out of money for the actual repair cost.
Jenna
June 8, 2025
Verified Review
Car Insurance
The company has been good to me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
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
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 $107/mo. for drivers with DUIs
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
Form | Coverage Requirements | Violations |
|---|---|---|
| SR-22 | State-minimum liability coverage | DUI or DWI, excessive points, driving with suspended license or without insurance, reckless driving |
| FR-44 | Additional coverage beyond state-minimum liability coverage | DUI 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 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 Type | Standard Requirement | FR-44 Requirement |
|---|---|---|
| Personal injury protection | $10,000 | $10,000 |
| Bodily injury protection | Not 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 Type | Standard Requirement | FR-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: Thursday, June 5 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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:
Shop around
Rates can vary dramatically from one insurer to another. Shop around for the best rates, but make sure the coverages are comparable.
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.
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.
Bundle policies
Buying your auto and home or auto and renters insurance from the same company can earn you a discount.
Cheapest recent rates for drivers with an SR-22
Recent car insurance prices for Honda, Jeep, GMC, and more. Insurify features quotes from 120+ carriers including Commonwealth Casualty, National General, and Liberty Mutual.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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?
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 500+ 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
- 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.
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Sources
- Virginia Department of motor Vehicles. "VIRGINIA UNIFORM FINANCIAL RESPONSIBILITY CERTIFICATE."
- Florida Bar. "Consumer Pamphlet: Automobile Insurance."
- Virginia Department of Motor Vehicles. "Insurance Requirements."
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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.
Daria has been a contributor at Insurify since October 2022.
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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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.
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.