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The cost of FR-44 insurance starts with a fee between $15 and $25 for filing the FR-44 form with the state, which your insurer will do on your behalf. FR-44 insurance policies also cost about 66% more than the average car insurance policy in Florida and Virginia, the two states that require an FR-44 after certain offenses.
An FR-44 is a state-issued form verifying that a driver has a certain amount of car insurance coverage. Florida and Virginia require drivers to file an FR-44 if they have been convicted of certain traffic offenses such as DUI. This causes drivers to be classified as high-risk, and they pay higher premiums and might have a harder time finding coverage as a result.
In addition, FR-44 insurance requires drivers to carry more than the state minimum coverage, which drives up rates even more. For example, Virginia law requires most drivers to carry $50,000 in bodily injury liability insurance per accident. But if you have FR-44 insurance, you’re required to have $100,000 in coverage per accident.
The good news is that you won’t be stuck paying for FR-44 insurance forever. Florida and Virginia only require drivers to have an FR-44 for three years, so if you practice good driving habits during that time, your rates will eventually go back down.
People also ask
What is an FR-44 form?
An FR-44 form is a document of financial responsibility that is required in Florida and Virginia to verify that drivers convicted of a DUI have sufficient car insurance coverage. FR-44s require drivers to have additional coverage beyond the minimum amount required by state law, unlike SR-22 forms.
When an FR-44 Is Required
Drivers are often required to file an FR-44 in order to reinstate a suspended license after a DUI. To get an...
read full answerDoes Progressive offer FR-44 insurance?
Yes, Progressive does offer FR-44 insurance for both new and existing customers. An FR-44 however, is not a type of coverage, it is instead a form for drivers convicted of certain major offenses in Florida and Virginia. People required to carry an FR-44 will have to get insurance with higher limits than the minimum liability limits imposed by the state.
Most states will use a standard SR-22 form for drivers convicted of certain violations. Florida...
read full answerWhat's the difference between SR-22 and FR-44?
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.
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