SR22 & FR44 Insurance by State
Foxx Insurance provides SR22 and FR44 insurance filings across 10 states. Each state has different requirements, minimum liability limits, and filing durations. Select your state below to find state-specific requirements, costs, and same-day filing options.
How State SR22 & FR44 Requirements Differ
While SR22 and FR44 filings serve the same purpose—proving you carry the state’s minimum liability insurance—each state sets its own rules:
- Filing duration varies from 1 to 5 years depending on the offense and state
- Minimum liability limits differ significantly—FR44 states (Florida and Virginia) require higher coverage limits than standard SR22 states
- Filing fees and processing times vary by state DMV
- SR22 vs FR44: Florida and Virginia use both SR22 and FR44; the other 8 states use SR22 only
Select Your State
SR22 Insurance States
All 10 states we serve require SR22 insurance for certain driving violations. An SR22 certificate proves you carry at least the state minimum liability coverage and is typically required after:
- DUI or DWI convictions
- Driving without insurance
- Multiple traffic offenses within a short period
- License suspension or revocation
Most states require SR22 coverage for 3 years, but the exact duration depends on the violation and the state. Learn more about SR22 insurance.
FR44 Insurance States
Two states—Florida and Virginia—require FR44 instead of (or in addition to) SR22 for certain offenses. FR44 requires higher liability limits, typically:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $50,000 property damage
FR44 is most commonly required after DUI convictions involving injury or high BAC levels. Learn more about FR44 insurance.
Need Coverage in a State Not Listed?
We currently serve the 10 states above. If you need SR22 or FR44 insurance in a state we don’t currently cover, contact us for a quote or check back as we continue expanding our coverage area.
Frequently Asked Questions
What is the difference between SR22 and FR44?
SR22 and FR44 are both certificates filed with your state to prove you carry liability insurance. FR44 requires higher coverage limits than SR22 and is used only in Florida and Virginia for more serious violations.
How long do I need SR22 or FR44 insurance?
Most states require 3 years of continuous coverage. Florida FR44 requires 3 years. Some states may require longer depending on the offense. Check your state’s page for specific requirements.
Can I get SR22 insurance if I don’t own a car?
Yes. A non-owner SR22 policy provides the liability coverage you need without vehicle ownership. Available in all 10 states we serve.
What happens if my coverage lapses?
Your insurer is legally required to notify your state DMV if your policy cancels or lapses. Your license will likely be suspended again, and your required filing period may restart from the beginning.
How quickly can I get my SR22 or FR44 filed?
Foxx Insurance can typically file your SR22 or FR44 certificate electronically the same day you purchase your policy. You’ll receive confirmation and documentation immediately.