Yes, you can get FR-44 insurance without a vehicle if you purchase a non-owner policy and ask your insurance company to file an FR-44 on your behalf with the state DMV. Florida and Virginia use FR-44 forms to verify that drivers who have been convicted of DUI are carrying enough car insurance coverage. Even if you do not own a car, you must file an FR-44 if your state requires you to do so.
In addition to providing enough liability insurance to meet a state’s FR-44 requirements, a non-owner FR-44 policy may also include any other types of car insurance required in your state, such as personal injury protection (PIP) and uninsured/underinsured motorist coverage. You will not be able to purchase a non-owner policy if you have regular access to a vehicle owned by someone in your household, however.
The cost of non-owner FR-44 insurance varies based on the driver and their state. Since it applies to drivers who are less likely to drive regularly, it generally costs less than regular FR-44 coverage.
An FR-44 is a form verifying sufficient car insurance coverage that is required in Florida and Virginia for drivers who have been convicted of DUI. FR-44s require drivers to have additional coverage beyond the minimum amount required by state law, unlike SR-22 forms.
Drivers are often required to file an FR-44 in order to reinstate a suspended license after a DUI. To get an FR-44, you need to contact your car insurance company and ask them to file one with the state on your behalf. If you don’t already have enough coverage to meet the state’s FR-44 requirements, then you will need to purchase additional insurance.… read full answer
You should expect your insurance company to charge an FR-44 filing fee between $15 and $25. Since an FR-44 classifies you as high-risk and means that you have to purchase additional coverage, it will raise your rate by an average of 66%. But the good news is that an FR-44 only lasts for three years. Once you no longer need an FR-44, your premium will start to decrease if you practice good driving habits and maintain continuous coverage.
The differences between SR-22 and FR-44 are the amount of coverage they require, which states use them, and when they’re used. SR-22s are used in almost every state and only require the minimum amount of liability insurance, while FR-44s are only used in Florida and Virginia, and require drivers to carry extra liability insurance. Nevertheless, SR-22s and FR-44s are both state-issued forms verifying that a high-risk driver is carrying a certain amount of insurance coverage.… read full answer
SR-22 vs. FR-44
States Where It’s Used
All but DE, KY, MN, NM, NY, NC, OK, and PA
Florida and Virginia
DUI, lapse in insurance coverage, driving without a license, excessive tickets, etc.
DUI and driving with a suspended license
Liability Insurance Requirement
State-mandated minimum liability insurance
Virginia: Double the state minimum coverage requirements
Florida: $100k for bodily injury per person ($300k per accident) and $50k for property damage
On average, an SR-22 or FR-44 will raise your insurance rates by about 70%. In some states, however, it could double or triple your premium. That’s because both forms indicate that you’re a high-risk driver, meaning you’re more likely to file a claim in the future. In addition, if you need to file an FR-44, the extra coverage that you will have to purchase will contribute to the increased cost.
The good news is that SR-22s and FR-44s are only required for a few years, and if you practice good driving habits during that time as well as maintain continuous coverage, your rates will eventually go back down. But no matter what, you need to be insured in order to fulfill the requirements for both forms. Once your filing period has ended, you can inform your insurer and they will remove the SR-22 or FR-44 from your policy.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.