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FR-44 Insurance

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FR-44 Insurance

For drivers in Florida and Virginia, an FR-44 filing is often required following more serious offenses and includes higher liability limits. We offer competitive FR-44 policies tailored to your state’s regulations.

Includes:

  • Higher liability coverage
  • DMV filing assistance
  • Flexible payment options

FR-44 Insurance – High-Risk Coverage Made Simple with Drive Guard Insurance

If you’ve been convicted of a serious driving offense, such as DUI or reckless driving, you may be required to file an FR-44 to reinstate your driving privileges. At Drive Guard Insurance, we specialize in affordable FR-44 insurance, helping you meet state requirements and get back on the road quickly.

What is FR-44 Insurance?

An FR-44 is not an insurance policy—it’s a certificate required by the state to prove that you carry higher-than-minimum liability insurance coverage. It is typically mandated for serious violations, including:

DUI or DWI convictions

Reckless driving offenses

Driving with a suspended or revoked license

Causing an accident while uninsured

FR-44 insurance is only required in a few states, such as Florida and Virginia, and it mandates higher liability limits than standard SR-22 insurance.

FR-44 vs. SR-22: What’s the Difference?

Many drivers confuse FR-44 with SR-22, but there are key differences:

Feature FR-44 Insurance SR-22 Insurance
Required for Serious offenses (DUI, reckless driving) Lesser offenses (no insurance, multiple tickets)
Liability Limits Higher than state minimum State minimum
States Available Florida & Virginia Most states

Since FR-44 requires higher liability coverage, the cost of insurance is usually higher than an SR-22 policy.

How Much Does FR-44 Insurance Cost?

The FR-44 filing fee is typically between $15 and $50, but the biggest expense comes from higher insurance premiums. Factors that influence your rate include:

Your driving record

Severity of the violation

Your location (Virginia or Florida)

Insurance provider

At Drive Guard Insurance, we work with top-rated insurers to find you the most affordable FR-44 policy possible.

How Long Do I Need an FR-44?

  • The typical FR-44 requirement lasts for three years, but this may vary depending on the severity of the offense and state laws. Maintaining continuous coverage is crucial—if your policy lapses, your license may be suspended again.

What If I Don’t Own a Car? (Non-Owner FR-44 Insurance)

  • If you don’t own a vehicle but still need to file an FR-44, you can get non-owner FR-44 insurance. This type of policy provides liability coverage when driving a borrowed or rented car. It’s a great option for drivers who want to meet legal requirements without insuring a specific vehicle.

How to Get FR-44 Insurance with Drive Guard Insurance

Getting FR-44 insurance is simple with Drive Guard Insurance! Just follow these steps:

Get a Free Quote – Call us or request an online quote.

Choose a Policy – We’ll find you the best FR-44 insurance at the lowest rate.

We File Your FR-44 – We submit the FR-44 form directly to the state.

Stay Covered & Drive – Once accepted, you’re legally insured!

Why Choose Drive Guard Insurance?

Fast FR-44 Filing – We handle the paperwork so you don’t have to.

Affordable Rates – We compare top insurers to find the best price.

No-Hassle Process – Quick online and phone applications.

Get Your FR-44 Insurance Today!

An FR-44 requirement doesn’t have to be overwhelming. At Drive Guard Insurance, we make the process easy and affordable.
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