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What is fr 44 insurance

what is fr 44 insurance

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As of January 1, 2008, Virginia became the first state to require an FR-44 certificate for drivers convicted of a DUI or DWI. The FR-44 limits in Virginia are 50/100/40, which means that the coverage is set at $50,000 for the bodily injury or death of one person, $100,000 for bodily injury or death per accident and $40,000 for property damage.


Florida instituted the FR-44 as a requirement on February 2, 2008. The limits in Florida are even higher, at 100/300/50. The limits also apply to those convicted of a DUI prior to the date that the FR-44 went into effect.


The FR-44 is similar to the SR-22, which is a certificate that serves as proof that the driver maintains auto insurance liability coverage. However, with the FR-44, the driver maintains higher limits.

For instance, in Virginia, the FR-44's 50/100/40 is twice as high as the state's 25/50/20 limits for the SR-22. In Florida, the SR-22 can be maintained for as low as 10/20/10--much lower than the state's 100/300/50 requirement for the FR-44.


Drivers with a DUI/DWI violation usually receive a case number so that the state can issue the FR-44 form. Then they can consult with insurance companies to get policy quotes for insurance carrying an FR-44. As of June 2010, the length of time required to hold FR-44 insurance is three years. However, it is the duty of insurance holders to verify how long they should keep the certificate filed with the state.


Failure to maintain the appropriate FR-44 filing can lead the DMV to suspend the individual's privilege to drive, register vehicles in the state or obtain state decals.

Category: Insurance

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