Glossary

FR-44

A certificate filed by an insurer in Florida or Virginia proving that a driver convicted of certain DUI offenses carries higher-than-minimum liability limits.

Also called: FR44, FR-44 certificate, FR-44 insurance, FR-44 filing

An FR-44 is a form an insurance company files with the state to certify that a driver carries the required liability coverage after certain alcohol- or drug-related driving convictions. Only Florida and Virginia use it. Like an SR-22, it is not insurance itself but proof of insurance sent to the state, and the insurer must notify the state if the policy lapses or is cancelled.

What sets it apart is the higher limits. Under Florida Statute 324.023, a driver convicted of DUI must carry bodily injury liability of at least $100,000 per person and $300,000 per crash, plus $50,000 of property damage liability, for at least three years. Virginia also requires FR-44 limits above its standard minimums. Compare that with Florida's usual requirement, which for most drivers is $10,000 of property damage liability and $10,000 of personal injury protection, with no bodily injury liability at all.

Because of the higher limits and the DUI on the driver's record, FR-44 policies are expensive, and not every insurer will file one. Keep the policy active for the whole required period, since a lapse is reported to the state and can lead to a license suspension. If you move, ask both states' motor vehicle agencies whether the requirement follows you. See financial responsibility law.

Last reviewed October 4, 2026

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Related terms

SR-22 A form an insurer files with the state to certify that a high-risk driver carries the required liability coverage, often for about three years. DUI Driving while impaired by alcohol or drugs, an offense that brings license penalties, possible SR-22 or FR-44 filings and steep insurance increases. Financial responsibility law A state law requiring drivers to show they can pay for injuries or damage they cause, almost always by carrying minimum liability insurance. High-risk driver A driver insurers expect to cost more in claims because of a DUI, tickets, crashes, a coverage lapse, little experience or similar factors. Liability limits The most a liability policy will pay for injuries and property damage you cause, usually written as three numbers such as 100/300/100.

Related guides

Car insurance after a DUI What a DUI does to your car insurance: surcharges, possible nonrenewal, SR-22 or FR-44 filings, how long it counts, and how to stay insured. Why Florida car insurance is so expensive Florida had the highest average car insurance spending in the U.S. in 2023. Why, what the 2023 tort reform changed, and why rates are now falling. FR-44 insurance in Florida and Virginia FR-44 filings prove higher liability limits after a DUI in Florida (100/300/50 for three years) and Virginia (double the minimums), unlike an SR-22. SR-22 insurance explained An SR-22 is a certificate your insurer files to prove you carry required liability coverage: who needs one, how long it lasts and what a lapse does.

Related insurers

Bristol West Farmers-owned nonstandard auto insurer, founded in Florida in 1973 and sold through agents and brokers in 43 states to drivers with tickets, DUIs or no credit. Direct Auto Insurance Nonstandard auto brand sold in 450+ storefronts in 12 mostly Southern states, by phone and online; owned by Allstate through National General. Infinity Insurance Kemper-owned nonstandard auto name, now a Spanish-bilingual agency in 11 states that places drivers with Kemper Auto and other carriers. Sentry Insurance (Dairyland, The General) Wisconsin mutual whose personal auto business is nonstandard: Dairyland, sold through agents, and The General, bought from American Family at the end of 2024. The General Nashville-based nonstandard auto brand known for Shaquille O'Neal ads, owned by Sentry Insurance since Sentry bought it from American Family at the end of 2024.