FR44 Insurance — Virginia & Florida

FR44 insurance: what it is, and how it's different from an SR22

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Informational only. This article does not constitute insurance, legal, or financial advice. Coverage terms vary by carrier, policy, and jurisdiction. Full disclaimer.

An FR44 is a certificate of financial responsibility, just like an SR22 — but it requires you to carry more insurance coverage than a standard SR22 does. Only two states use it: Virginia and Florida. Everywhere else on this site, an SR22 is what's required.

You'll usually be asked for an FR44 after a DUI, DWI, or OVWI conviction in one of these two states. If your violation happened somewhere else, you almost certainly need a standard SR22 instead — see our SR22 information page.

The one-sentence difference

An SR22 proves you meet your state's regular minimum insurance requirement. An FR44 proves you meet a higher minimum — usually double or more — because Virginia and Florida treat a DUI conviction as reason to require more coverage, not just a filing.

Virginia FR44 limits

Virginia's FR-44 requirement is double the state's standard minimum liability limits under Code of Virginia § 46.2-472, per the Virginia DMV. Virginia's standard minimum increased to 50/100/25 on January 1, 2025, which puts the current FR-44 requirement at:

$100,000 bodily injury per person
$200,000 bodily injury per accident
$50,000 property damage

Older sources online may still list 60/120/40 — that reflects the previous 30/60/20 standard minimum, before Virginia's January 2025 increase. Coverage laws change; confirm current limits with the Virginia DMV before relying on a specific number.

Florida FR44 limits

Florida's FR-44 requirement is consistently cited at:

$100,000 bodily injury per person
$300,000 bodily injury per accident
$50,000 property damage

That's roughly 10 times Florida's unusually low standard minimum (10/20/10). Any lapse in an FR-44 policy in Florida can trigger an immediate license and registration suspension, so continuous coverage matters even more than it does under a standard SR22.

How long do you need it?

Typically 3 years from the date of your conviction, though the court or DMV notice you received is the authoritative source for your specific timeline.

In most cases, you can see your options and buy your FR44-compliant policy online, in real time.

* Real-time online purchase is available in most cases, but availability can vary by location and other underwriting factors.