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If you’re convicted of a DUI or DWI in Florida or Virginia, you might be required to file an FR-44 to legally get back behind the wheel. Similar to an SR-22, this certificate of financial responsibility is required after a driving conviction before you can legally drive in your state. Unlike a more general SR-22, an FR-44 is specific to DUI or DWI convictions, but you can find an insurer willing to help you file for FR-44 insurance.

When do I need to file an FR-44?

If you lose your license as a result of this violation, your insurance company must file an FR-44 on your behalf to prove to your state that you’re covered by increased liability insurance.

Florida and Virginia are the only states to require an FR-44 before they’ll reinstate your driver’s license. In Florida, an FR-44 is officially called a Florida Uniform Financial Responsibility Certificate, though it’s commonly called an FR-44. It’s just called an FR-44 form in Virginia.

If you’ve gotten into trouble behind the wheel in Florida or Virginia, you could be required by state law to file an FR-44. Some of the convictions that might require an FR-44 include:

• Causing injury or death of another person with your vehicle.
• Driving while under the influence of alcohol or drugs.
• Driving while your driver’s license is forfeited for a conviction.
• Violating the provisions of any federal, state or local law your state considers important.

How much does an FR-44 cost?

The cost to file an FR-44 is minimal, typically around $25. Rather, your greater cost is the higher insurance rates that result from a FR-44.

FR-44s are most typically required for high-risk drivers, and insurance companies charge more to cover that risk. You’re also required to carry higher insurance coverage limits, which cost more.

Generally, if you’ve gotten a DUI, you’ll pay more for coverage, to the tune of over $1,250 a year in higher insurance rates. Talk with your provider and ask how much more you can expect to pay for your policy.

• Affordable coverage
• Instant online access
• SR-22 support

Best for FR-44: The General

Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.

• Affordable coverage
• High risk drivers okay
• Instant online access
• Available in 46 states

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Name	Product	SR-22	Nonowner policy	Payment schedule	States served
The General		Yes	Yes	12 months, monthly	AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.	Get quotes More Info	Compare	loading Fetching your data...
SafeAuto		Yes	Yes	12 months, 6 months, monthly (fee applies)	AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA	High-risk drivers can find no-frills policy at a decent price with multiple payment options.	Get quotes More Info	Compare	loading Fetching your data...
Direct		Yes	Yes	monthly, custom	AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	Your agent can help you get the right amount of coverage and best discounts.	Get quotes More Info	Compare	loading Fetching your data...
Dairyland		Yes	Yes	custom	AL, AZ, AR, CA, CO, CT, DE, FL, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, NE, NV, NM, NC, OH, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY	Flexible payment options and local agents make it easy for high-risk drivers to get covered.	Get quotes More Info	Compare	loading Fetching your data...
Serenity		Yes	Yes	12 months, 6 months	CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA	Connects high-risk drivers to providers in its network offering affordable policies	More Info	Compare	loading Fetching your data...

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How do I file an FR-44?

You can’t file an FR-44 on your own. Instead, you’ll need to ask your insurance provider to file one on your behalf.

1. Contact your insurer. If you already have car insurance, contact your agent and advise them of your need to file an FR-44. Most providers are equipped to file this certificate.

2. Find an insurer. If you don’t already have insurance, you’ll need to find a provider that’s willing to cover you.

Not all insurance companies insure people who need an FR-44. But you’ll find companies out there that will, like The General.

3. Pay the FR-44 filing fee. Your insurer will charge you a processing fee for filing the FR-44.

4. Verify minimum liability coverage. If you’re required to file an FR-44 in Florida or Virginia, your insurance minimums will likely be higher than the statewide liability minimums because you’re now considered a high-risk driver.

To legally drive in Florida, you’ll need to carry higher 100/300/50 liability insurance:

• $100,000 for bodily injury or death of one person
• $300,00 for bodily injury or death per accident
• $50,000 property liability

Virginia’s state minimums under an FR-44 are also higher than a typical driver. You’ll need to carry 50/100/40 liability insurance:

• $50,000 for bodily injury or death of one person
• $100,00 for bodily injury or death per accident
• $40,000 property liability

5. Submit your FR-44. Your insurance provider can likely file your FR-44 electronically on your behalf. Wait for confirmation of acceptance before getting back on the road.

How long will I need an FR-44?

Typically you’ll need an FR-44 for at least three consecutive years, but it ultimately depends on your state of residence and your conviction.

Florida residents

You must continuously maintain insurance coverage and keep an FR-44 on file with the Florida Highway Safety and Motor Vehicles for three years from the reinstatement of your DUI revocation.

Virginia residents

You’re required to provide proof of insurance with an FR-44 for three years from the date of your license suspension.