What is an FR-44?

What an FR-44 is, how much it costs, and how it can impact your car insurance rate.

Location pin icon
Your information is secure.

FR-44 car insurance defined

An FR-44 is a certificate proving to your state that you carry 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. Your location and driving history will determine whether or not you need an FR-44. Let’s learn more.

What is FR-44 insurance?
  1. An FR-44 defined
  2. How much is an FR-44 in Virginia?
  3. How much does an FR-44 cost in Florida?
  4. Getting an FR-44 without a car
  5. Additional resources

What is an FR-44 for car insurance?

An FR-44 is a document proving you have a required level of car insurance coverage. Drivers are commonly required to file FR-44s when living in Florida or Virginia. We detail below state-specific FR-44 specific requirements and procedures in Florida and Virginia.

FR-44 insurance in Virginia

In Virginia, an FR-44 is required for drivers cited for one of the following violations:

  • Causing serious bodily injury while driving under the influence
  • Driving under the influence
  • Driving with a suspended license
  • Violations of provisions of any federal, state, or local laws similar to those above

Given the gravity of the violations, if you’re required to file an FR-44, you need to show double the requirements for an SR-22 (the state of Virginia’s minimum liability requirement). Your liability limits will look something like this:

  • Bodily injury coverage of $50,000 per person
  • Bodily injury coverage of $100,000 per accident
  • Property damage coverage of $40,000

If you’ve been cited for one of these violations, the state will issue you documentation stating the FR-44 requirement. From here, do the following:

  • Call your current car insurance provider and ask them to file an FR-44 on your behalf. There will be a processing fee.
  • Get insurance and then ask your new insurer to file an FR-44 on your behalf.

The expensive part of getting an FR-44 is not the processing or procedural fees, but the consequences of the action that led to the FR-44. For more information on the financial consequences of an FR-44 in Virginia, see below.

FR-44 insurance in Florida

Drivers must file for a certificate of financial responsibility (FR-44) in Florida when cited for driving under the influence an alcohol-related offense. The specific liability insurance requirements for Florida are high, considering the state minimum requirements without any violations. If you’re required to file an FR-44 in Florida, you need to show proof of the following insurance coverage:

  • Bodily injury coverage of $100,000 per person
  • Bodily injury coverage of $300,000 per accident
  • Property damage coverage of $50,000

On average, this is 2,700% more coverage than Florida’s state minimum. If you’re required to file an FR-44, expect your premiums to increase because of the DUI violation and the higher minimums.

If you’ve been cited for one these violations, your state will issue you a formal request. From there, do the following:

  • Enhance your car insurance coverage to meet the specific liability requirements needed for an FR-44. Request your current provider file an FR-44 with your state’s DMV. There will be a processing fee.
  • If you do not have insurance, you will need to purchase proper coverage and follow the same steps. All insurance companies in Florida with more than 1,000 policies are required to issue FR-44s.

How much does an FR-44 cost in Virginia?

The expensive aspect of an FR-44 isn't the filing cost. Typical FR-44 filing fees range from $15 to $35. The rate increase from the specific violation prompting the FR-44 will be more costly. Use the data below to see by how much premiums increase after an FR-44.

Accident/ViolationAverage Annual PremiumIncrease From No Violation
Driving With a Suspended License$1,377$353
At-Fault Accident - Greater Than $2,000$1,278$254
Reckless Driving$1,232$207

These violations will increase your premium by $341 per year. Most insurance companies in Virginia will charge extra after a violation for three to five years — or up to 10 years after a DUI. Stretching this data over three years, displayed shows how much an FR-44 really costs.

ViolationAverage Rate Increase (Three Years)
Driving with a suspended license$1,058
At-Fault Accident - Damages > $2,000$761
Reckless Driving$622

At the end of the day, you need to insure your vehicle. If you’re looking for your cheapest way to lift an FR-44 requirement, enter your zip code below to see car insurance companies in Virginia that can get you insured affordably.

Need to satisfy an FR-44 requirement in Virginia? Shop now!

Location pin icon
Your information is secure.

How much does an FR-44 cost in Florida?

An FR-44 in Florida is expensive for several reasons. With an FR-44, you're forced to carry significantly more insurance coverage than the standard liability limits. You'll also face higher rates because of the DUI or DWI on your driving record. In Florida, you can be penalized for up to five years for your first DUI. The below data shows the total cost of an FR-44 in Florida.

Accident/ViolationAverage Annual PremiumIncrease From No Violation

Filing for an FR-44 in Florida isn't the pricey part. Finding car insurance in the future will be costly, as insurance companies will deem you a high-risk driver. Still, the only way to satisfy your FR-44 requirement and keep your vehicle registered is to get the required insurance. If you need an FR-44 and car insurance in Florida, enter your zip code to see rates from local and national companies.

Need car insurance in Florida? Compare rates.

Location pin icon
Your information is secure.

Getting an FR-44 without a car

If you don’t own a vehicle, acquiring proof of car insurance is going to be tricky. Your best option is non-owners car insurance. A non-owner auto insurance policy is exactly what it sounds like: a liability-only policy for people who do not own a vehicle but want insurance protection. 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 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 enter vehicle information in order to get car insurance quotes. If you’re interested in getting a quote or policy for non-owners coverage, give our insurance agency a call at 833-768-7789.

Compare policies online today!

Location pin icon
Your information is secure.

Additional resources and methodology

If you’re looking for more resources regarding car insurance, see our related articles:


Between September and December 2017, The Zebra used its proprietary quote engine to conduct auto insurance pricing analysis, gathering data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to analyze trends for specific auto insurance rating factors across all US zip codes, averaged by state — including Washington, D.C.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

Finally, some rate data may vary slightly throughout report based on rounding.