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.
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