Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Mar 26, 2021

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Just What's Essential

  • High-risks drivers with a DUI on their driving record need FR-44 insurance
  • FR-44 insurance is a driver certification that’s only available in Florida and Virginia
  • If you don’t own a car but still drive, you’ll need to have FR-44 insurance on a non-owner car insurance policy

Car insurance companies in Florida and Virginia can file FR-44 insurance certification, but only a few companies offer high-risk car insurance.

FR-44 insurance coverage isn’t defined as car insurance, but it’s a certification that says you carry the car insurance requirements after you’ve been convicted of DUI.

How do you buy FR-44 insurance? Continue reading our FR-44 insurance guide to learn more about FR-44 insurance, how it affects car insurance, and how to cut the overall car insurance cost.

FR-44 insurance quotes may be expensive, but our free comparison tool can lead you to affordable car insurance near you.

What is FR-44 car insurance?

FR-44 insurance is written in so many different ways, such as FR44 insurance and FR 44 insurance.

There’s no difference between them. Many car insurance agents and drivers use FR-44 insurance terms interchangeably, but they mean the same thing.

How is FR-44 insurance certification defined?

FR-44 insurance is a financial responsibility certificate (CFR) that says you have the minimum car insurance requirements after being convicted of a DUI.

Where can you find FR-44 insurance?

FR-44 insurance is only available in Florida and Virginia. Most states require SR-22 insurance when a driver has a DUI on their driving record.

What do you need to do to get FR-44 car insurance?

After your DUI arrest, you’ll need to locate an auto insurance company that offers high-risk insurance. Explain to the agent or representative that you have a court order to get an FR-44 certification.

You’ll need to pay an FR-44 insurance filing fee of $15 to $25 to start the FR-44 process.

The car insurance company will attach the FR-44 certification to your policy once you’ve been approved for FR-44 insurance. Present your insurance policy and along with the FR-44 insurance certificate when you go to court so you can keep your driver’s license and vehicle registration.

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How much are FR-44 insurance rates?

That depends on the company that has your FR-44 certification attached to your policy. FR-44 isn’t considered auto insurance. Therefore, you won’t find FR-44 insurance quotes or a company that explicitly sells FR-44 insurance.

However, car insurance companies may issue a policy where you can make monthly installments based on high-risk status (also called non-standard car insurance).

Will a DUI or DWI increase my insurance rates?

Yes. DUIs are one of the worst traffic violations, which has a chance to double your auto insurance rates.

Let’s compare the auto insurance rates in Florida and Virginia based on DUI convictions.

Available Discounts from American Family and GEICO Car Insurance Companies
DiscountAmerican FamilyGEICO
Multi-PolicyYesYes
Good StudentYesYes
Anti-Theft DevicesNoYes
Multi-VehicleYesYes
Air BagYesYes
Anti-Lock BrakesNoYes
Defensive DriverYesYes
Good DriverYesYes
Driver's TrainingNoYes
Student Away at SchoolYesNo
Green VehicleNoNo
Advanced PurchaseYesNo
Home OwnerNoNo
BundlingYesYes
Know Your DriveYesNo
Low Annual MileageYesNo
LoyaltyYesYes
Auto PayYesYes
MilitaryNoYes
Paid in FullNoNo
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State Farm, USAA, and Progressive offer the most expensive car insurance rates for DUI-convicted drivers.

To secure cheap FR-44 insurance in Florida and Virginia, you’ll need to qualify for discounts or choose liability-only insurance. Shop around until you can find affordable FR-44 insurance.

How long does FR-44 car insurance last?

FR-44 insurance lasts for three years. After three years, the car insurance company determines whether you’re still a high risk. If you are, you’ll need to reapply for FR-44 insurance.

Can you cancel FR-44 insurance?

The short answer is no. You can’t withdraw FR-44 insurance certification until you’re no longer a high-risk driver.

What’s the difference between FR-44 and SR-22 car insurance?

SR-22 insurance and FR-44 insurance are entirely different.

What are the minimum coverage amounts for FR-44 insurance? FR-44 insurance (FR 44 Florida and FR 44 Virginia) requires DUI-convicted drivers to carry double the amount of the state’s minimum coverage limit.

What does this mean? According to Florida’s Department of Motor Vehicles, it means you’ll need coverage equal to or greater than the medium coverage limit, which is: $50,000 for bodily injury of one person, $100,000 for bodily injury of multiple people, $50,000 for property damage (or 50/100/50).

SR-22 insurance only demands the minimum car insurance requirements. Therefore, the coverage limits would be 25/50/20 for Virginia car insurance and 10/20/10 for Florida car insurance.

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Can you get FR-44 car insurance without a vehicle?

The answer is yes. A DUI-convicted driver needs FR-44 insurance if you drive someone else’s car.

If you’re in a position where no one will add you as a driver to their auto insurance policy, consider non-owner auto insurance. It’ll be more expensive, but you can attach an FR-44 insurance certification to the policy if your auto insurance company offers it.

FR-44 Insurance: The Bottom Line

There aren’t any FR-44 insurance companies across the United States, but you can buy FR-44 insurance from a Florida or Virginia company that provides non-standard car insurance.

You may be a DUI-convicted driver, but it doesn’t disqualify you for affordable car insurance. If you’re not eligible for enough discounts, start cutting down on coverage options.

Now that you know more about FR-44 insurance, it’s time to buy FR-44 car insurance. Use our free online quote tool by entering your ZIP code below to compare the FR-44 car insurance quotes in your local area.