FR-44 insurance
FR-44 insurance is the state filing used after certain DUI-related suspensions in Florida and Virginia. Because the rules are strict, we keep the process simple. First, confirm your state; then choose owner or non-owner, and we file electronically with the DMV—often on the same day.
For other states, see SR-22 options on our state hub.
What this filing does
FR-44 isn’t a separate policy. Instead, it’s a filing added to your auto policy that proves you carry higher liability limits after a qualifying offense. As a result, the state can verify continuous insurance during your required term.
- Where it applies: Florida and Virginia; meanwhile, most other states use SR-22.
- Typical duration: Several years; however, any lapse can trigger a new suspension and restart your clock.
- Same-day filing: Often possible once the policy is active; therefore, we prioritize fast binding.
Florida FR-44
Florida requires increased liability limits for certain DUI convictions. Therefore, we quote to current state minimums—or higher if you prefer extra protection—and file your FR-44 with the Florida DMV as soon as your policy becomes active.
- Who needs it: Drivers reinstating after qualifying DUI-related actions.
- Filing: Electronic submission to DMV with confirmation; consequently, proof updates faster.
- Owner vs non-owner: We confirm eligibility and set up the right form; in addition, we can switch types later.
- Continuity: We help prevent lapses so your term doesn’t reset.
Virginia FR-44
Virginia also mandates higher liability limits for certain alcohol-related offenses. Accordingly, we align your policy to the required limits, submit proof to the Virginia DMV, and support you throughout the term so coverage remains uninterrupted.
- Who needs it: Drivers with qualifying convictions that require FR-44.
- Filing: Electronic proof filed after binding; consequently, the DMV records update quickly.
- Owner vs non-owner: We set the right structure for your situation; moreover, we can adjust later.
- Continuity: Renewal support and reminders help you avoid resets.
Choosing owner vs non-owner
- Owner FR-44: For vehicles you own or regularly drive; additionally, you can add comp/collision if needed.
- Non-Owner FR-44: For drivers who don’t own a car; by contrast, it provides liability only and excludes vehicles you use regularly.
- Switching: If you later buy a car, we’ll convert you to owner without a lapse; as a result, your compliance stays intact.
Not sure which fits? Call us—because every case is different, we’ll confirm eligibility and set up the right path.
What drives cost
- State & required limits (Florida vs Virginia); naturally, higher limits can increase price.
- Owner vs non-owner eligibility; in many cases, non-owner is cheaper.
- Driving history and prior violations; consequently, rating tiers can change.
- Vehicle & coverages if you choose an owner policy; for example, comp/collision and deductibles matter.
- Payment plan and term; in addition, monthly options may improve affordability.
We shop multiple carriers; therefore, we structure your policy to meet filing rules without overpaying.
From quote to reinstatement
- Tell us your state: Florida or Virginia; consequently, we route you to the correct filing.
- Pick policy type: Owner or non-owner; meanwhile, we verify eligibility.
- Bind coverage: We match state-required limits and issue ID cards; then, we confirm your start date.
- We file electronically: We submit FR-44 to the DMV; as a result, your proof appears in state systems.
- Stay compliant: We help prevent lapses until removal is allowed; therefore, your term stays on track.
Watch: FR-44 explained
Prefer to talk it through? In that case, call us—we’ll walk you through the details and file it for you.