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FR-44 Insurance Filing After a DUI

FR-44 is a high-risk insurance certificate required only in Florida and Virginia after certain DUI convictions, certifying you carry double the standard liability minimums.

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What Is FR-44 Insurance (FL and VA) Insurance?

FR-44 is not insurance itself—it's a certificate your insurer files with the Florida DMV or Virginia DMV certifying you carry at least double the state's minimum liability coverage. Florida and Virginia replaced SR-22 with FR-44 specifically for DUI offenses because standard minimums proved inadequate for high-risk drivers. Your insurer files the FR-44 electronically once you purchase qualifying coverage, and the state monitors continuous coverage for the entire filing period, typically three years from your conviction date.

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Who Needs FR-44 Insurance (FL and VA) Insurance?

You need FR-44 if you were convicted of DUI, DWI, or refusal in Florida or Virginia and want to reinstate your license or qualify for a restricted license during suspension. It's required whether you own a car or not—non-owner FR-44 satisfies the filing requirement if you sold your vehicle or never owned one. Without FR-44 on file, the DMV will not process your reinstatement application or issue a hardship license.

Check your conviction paperwork or DMV suspension notice—it will specify FR-44 if required. If it says SR-22, you're in the wrong state or the offense wasn't DUI-related. Contact a high-risk insurer that writes FR-44 policies before your reinstatement hearing or restricted license application deadline. Filing takes 24–48 hours once you purchase coverage, so don't wait until the day before your court date.

How Much Does FR-44 Insurance (FL and VA) Insurance Cost?

  • DUI conviction date and BAC level—higher BAC or refusal cases trigger steeper increases
  • Number of prior offenses—second DUI doubles filing period to five years in Virginia
  • Coverage limits beyond FR-44 minimums—100/300/50 costs less than 250/500/100
  • Vehicle type and value—newer cars cost more to insure even with liability-only FR-44
  • Continuous coverage history before DUI—a lapse before conviction compounds the risk score

Related Coverage Types

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