FR44 and SR22 insurance FAQ
What You’ll Learn in This FAQ
FR44 and SR22 insurance FAQ: If you’ve been told you need an SR-22 or FR-44, you probably have questions. Fortunately, we’ve broken everything down in plain English. You’ll discover what each certificate means, who typically needs them, how long the requirement lasts, and how much it could cost you. Additionally, we’ll explain non-owner options and which states we serve across the U.S. As a result, you’ll be better informed when choosing a provider like Foxx Insurance.
What is SR‑22 insurance?
To clarify, SR‑22 is not actually insurance. Instead, it is a certificate proving you meet your state’s minimum auto liability insurance requirements. For further reading, get started now or visit Experian’s full explanation.
What is FR‑44 insurance?
In comparison, FR‑44 insurance is required in Virginia and Florida for more serious violations like DUI. It demands higher liability coverage limits than SR‑22. At Foxx Insurance, we assist with both types daily. Therefore, we can guide you through every step of the process.
Who needs an SR‑22 or FR‑44?
- Drivers caught without insurance coverage
- Individuals convicted of DUI or DWI — see NHTSA’s DUI facts
- Repeat traffic offenses or reckless driving cases
- People whose licenses were suspended or revoked
What is a non-owner SR‑22 policy?
This type of FR44 or SR22 insurance works for drivers who don’t currently own a vehicle. For instance, it’s ideal if you’re reinstating your license or complying with a court order. You can learn more about your options on our Non-Owner Insurance page.
How Long and How Much?
How long do I need SR‑22 or FR‑44 insurance?
- Illinois & Texas: 2–3 years
- California & Nevada: About 3 years
- Virginia: 3 years (FR‑44 or SR‑22)
- South Carolina: 3 years
How much does it cost?
Generally, filing costs range from $15 to $50. However, the total insurance premium varies based on your driving history and state requirements. For the most accurate estimate, start your quote today.
Providers, States, and Speed
Can I switch providers while carrying an SR‑22 or FR‑44?
Yes — you are allowed to switch. Just ensure that your new insurer files your certificate before the current policy expires. Switching can be easy when handled by professionals. Foxx Insurance makes switching simple.
Do you cover my state?
Absolutely. Foxx Insurance provides FR44 and SR22 insurance coverage in the following states:
How fast can I get coverage?
In many cases, same-day filing is an option. Therefore, we strive to complete your FR44 or SR22 insurance filing within hours. Don’t wait — request your quote now and get back on the road faster.