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FR-44 car insurance defined

An FR-44, also known as an FR44, is a certificate proving a driver is carrying active liability insurance at or in excess of the legal minimum. The "FR" stands for “financial responsibility.”

Liability requirements for an FR-44 certificate are higher than the state minimum or SR-22 requirements. An FR-44 is not actually a form of car insurance, but proof of car insurance. A driver's location and driving history will determine whether or not they need an FR44 filing for insurance.

This relatively common insurance requirement can be brought about by a citation like a DWI or DUI, a driving-without-insurance violation, a collision resulting in substantial property damage, a citation for driving with a suspended license, or as a result of gathering too many license points.


FR-44 insurance — table of contents:



In which states are FR-44s required for insurance?

States in which FR-44s are commonly required are Florida and Virginia. FR-44s are similar to SR-22s, another common car insurance requirement. 

Learn more about FR44 insurance requirements in specific states:


How to get an FR-44 without a car

If you don’t own a vehicle, acquiring proof of car insurance coverage can be tricky. One of the best options is non-owners car insurance. A non-owner auto insurance policy is what it sounds like: a liability-only policy for people who do not own a vehicle but want insurance. If you’re borrowing a friend’s vehicle and get into an at-fault accident, you could use this coverage to pay for any damages you cause.

This policy only provides liability coverage: the damage you do to other people and their property. Liability-only coverage provides no physical protection for the motor vehicle you are driving.

A non-owners policy is not only a solution for lifting an FR-44 requirement. It can be a good way to limit your premiums while you’re waiting for a violation to fall off your insurance record. Non-owners policies tend to be cheaper than standard policies, as they provide only liability coverage.

Non-owners car insurance can be hard to find. Most online resources will require you to enter vehicle information in order to get car insurance quotes. If you’re interested in getting a quote or policy for non-owners coverage, contact The Zebra's insurance agency.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance