FR-44 Insurance: What It Is and Who Needs It

If you’re a high-risk driver residing in Florida or Virginia, you will need FR-44 insurance. FR-44 insurance is a specific type of proof of financial responsibility for individuals who live in Florida and Virginia.

FR-44 Insurance: What It Is and Who Needs It

FR-44 isn’t a type of insurance per se; it is a document that certifies to the DMV that an individual is maintaining continuous coverage of certain liability limits specified by the state he or she resides in.

Those who have been convicted of alcohol-related offenses or any other serious traffic violations are required to have FR-44 insurance. An FR-44 is mandated for individuals who have lost their driving license as a result of traffic violations.

In this article, we will provide a detailed analysis of what FR-44 insurance is, how it differs from other auto insurance policies, those who need it, and tips on how to get an FR-44 without a car. You will also be enlightened on other subject matter related to FR44 insurance.

Who Needs FR-44 Insurance?

Generally, FR44 insurance is specially designed for individuals who are high-risk drivers. The categories of those who need FR44 insurance include:

  • Individuals with a DUI or DWI conviction.
  • Individuals involved in various car accidents.
  • Individuals who have violated too many traffic rules.
  • Individuals caught driving with no insurance.

States that mandate FR-44 Insurance

Typically, FR44 insurance is required in Florida and Virginia. While both states require the FR-44 form from an insurer, the requirement specified by each state differs.


Although FR44 insurance in Florida and Virginia is quite similar, there are minimal liability insurance requirements that differentiate them. Individuals with a DUI or DWI conviction before February 1, 2008, are not required to get FR-44. All convictions after this date required FR-44 in Florida. All high-risk drivers must have FR44 insurance.

What are the requirements for Florida’s FR44 insurance?

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

It is important to note that Florida charges fees based on the number of DUI convictions the driver has.


In Virginia, drivers with DUI convictions on or before January 1, 2008, are required to obtain an FR-44. Those who have committed certain offenses or individuals mandated per court order will need to have FR44 insurance.

You will need an FR-44 if you have any of the crime records highlighted below:

  • Driving on a suspended license or forfeited car due to a serious traffic violation.
  • Driving while intoxicated.
  • Violation of federal, state, or local law related to the aforementioned crimes.

Obtaining FR44 liability insurance in Virginia means you purchase at least double the state amount of liability coverage you want.

What are the requirements for Virginia FR44 insurance?

  • Bodily injury coverage per person costs $60,000
  • Bodily injury coverage per accident costs $120,000.
  • Property damage coverage costs $40,000

How to Get FR-44 Insurance Without a Car

Do you have a driver’s license and wish to get an FR-44 without a car? It may delight you to know that not every FR-44 holder actually owns a car.

Those who intend to have a driver’s license prior to the time they finally get their own car can purchase an FR-44 from a non-owner car insurance company that provides quintessential insurance coverage for when you’re ready to own a car. Non-owner car insurance covers bodily injury and property damage liability. It is important to note that things like towing coverage, collision coverage, comprehensive coverage, and damage to rental or borrowed cars are not covered by this insurance policy.


How much does FR44 insurance cost?

The fee for obtaining FR44 insurance is usually minimal, ranging between $15 and $25. Some insurers will automatically add the cost to your general auto insurance premium. To get this insurance, you will need to pay the insurance company directly.

How long do you have to carry FR-44?

Generally, an FR-44 lasts for the duration of three years, starting from the date when the driver’s license is reinstated. It is important to adhere strictly to the requirements associated with maintaining continuous coverage for this insurance.

Who needs FR-44 insurance?

The categories of people who need FR44 insurance are high-risk drivers who have been convicted of serious driving offenses and violations, especially DUI.

How is FR-44 insurance different from SR-22 insurance?

FR-44 insurance is almost similar to SR-22. Both types of insurance provide high-risk coverage. Nevertheless, FR-44 has higher liability limits than SR-22, which means that a driver needs to carry more coverage.

SR-22 is commonly used in other states, but FR-44 is specially required in states like Florida and Virginia.

Is FR44 insurance more expensive than regular auto insurance?

Yes, it is due to the fact that it comes with higher premiums than regular auto insurance. FR-44 is mostly required for high-risk drivers. Therefore, insurance providers think they are more likely to file claims, which will result in higher premiums to reduce the risks incurred.

Can I switch insurance companies if I have FR-44 insurance?

Yes, you can. Drivers can switch insurance companies if they already have FR-44 insurance. Most importantly, it is expedient that you review the new insurance policy and ensure that it aligns with the FR-44 requirements of your state.

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