FR-44 vs SR-22 Insurance: What’s the Difference and Which One Do You Need?
Understanding the differences between FR-44 and SR-22 filings can be confusing, particularly for drivers in Florida and Virginia. However, because each serves different legal requirements and coverage levels, it matters whether you’re filing one versus the other. Below, we clarify the key distinctions and explain which one you might need — all while helping you find affordable filing with Foxx Insurance.
What Is an SR-22?
An SR-22 is a state-mandated document that confirms you maintain the legally required auto insurance. It’s typically required after violations such as:
- DUI or DWI convictions
- Driving without insurance
- License suspensions from multiple traffic violations
Importantly, an SR-22 isn’t a policy itself — it’s a filing your insurer sends to the state to verify compliance with financial responsibility laws.
What Is an FR-44?
By contrast, an FR-44 filing is specific to Florida and Virginia and is required for serious offenses, typically involving alcohol or drug-related DUIs. You should take note that FR-44s require much higher liability coverage than SR-22s, which directly impacts your premium cost.
FR-44 vs SR-22: A Side-by-Side Comparison
To make this clearer, here are the primary differences at a glance:
| Feature | SR-22 | FR-44 |
|---|---|---|
| States Required | Several states — including Florida and Virginia | Only Florida and Virginia |
| Coverage Limits | Minimum liability per state law | Typically double the SR-22 requirements |
| Reason Required | DUIs, uninsured driving, reinstatement | Primarily DUI or DWI-related matters |
| Premium Cost | Lower premiums | Higher due to higher liability limits |
Required Filing Duration
In both Florida and Virginia, typical requirement periods last about three years. Nevertheless, for FR-44 filings tied to severe DUI cases, the requirement can stretch up to four years. Most importantly, you must maintain continuous coverage, because any lapse will reset the filing timeline.
How Foxx Insurance Simplifies Filings
At Foxx Insurance, we make both SR-22 and FR-44 filings simple and affordable.
- Instant quotes with competitive rates
- Same-day filing available in Florida and Virginia
- Veteran-owned agency dedicated to high-risk drivers
Frequently Asked Questions
Is FR-44 insurance more expensive than SR-22?
Yes — because FR-44s require higher liability coverage, which results in higher premiums.
Do any other states require FR-44?
No. Only Florida and Virginia mandate FR-44 filings.
Can I switch from FR-44 to SR-22 later?
Yes — if your violation no longer necessitates FR-44-level coverage. Foxx Insurance can assist with making the switch.