What is FR44 Insurance?
- What is it?
- Violations requiring FR44
- How long do I need it?
- What is the difference between an FR44 and an SR22?
- FR44 non-owner insurance
- Finding affordable coverage
If you recently got a traffic violation or were caught driving without car insurance, you may be asked to provide an FR44. An FR44 isn’t actually car insurance. Rather, it is a document to prove that you carry insurance.
With that in mind, the free car insurance shopping app Jerry has put together all the information that you need to know about FR44 insurance.
Dealing with a license suspension is never fun, but Jerry will help you find the best rates to mitigate the costs, so an FR44 doesn’t end up costing more than it has to.
What is an FR44?
The FR-44 is used to prove to the state that you have purchased the state minimum liability car insurance coverage—even if your license is suspended. The “FR” in FR44 stands for financial responsibility.
The FR44 insurance system is only used in two states—Florida and Virginia—but it functions much the same as the SR22 form used in other states. Florida and Virginia also use SR22s, reserving the FR44s for more serious violations.
As you can imagine, an FR44 comes with lofty insurance premium increases. All the more reason to use Jerry to help you save!
Remember, if you have questions about your coverage, Jerry’s friendly agents are here to answer your questions and provide advice on the best coverage options. As your life changes, your insurance changes—and Jerry is ready to make those adjustments for you.
How to get an FR44 ||| How to get
If you end up with a suspended license and are required to submit an FR44, you will need to contact your insurance provider to get the process underway.
If you haven’t already, you will have to purchase the minimum amount of insurance required by your state. Your insurance company will then submit an FR44 to your local DMV so you can get your license reinstated.
If you happen to be between companies, you have to inform the insurance company that you need an FR44. Most companies will write it into your policy for you, but you can expect a steep rate increase.
What happens if your policy lapses?
If you cancel your policy or policy lapses after submitting an FR44 form, your insurance provider will notify the DMV. It’s a scenario that you probably want to try to avoid. The DMV will suspend your license and you could face severe restrictions or fines.
If you want to save headaches, use Jerry to handle your insurance shopping for you. Jerry also takes care of renewals so that your renewal date will slip you by. At the same time, you get the peace of mind of knowing you are paying the best price possible on your car insurance.
Key Takeaway An FR44 is a form that you might be required to submit with your insurance if you live in Virginia or Florida and have a more serious violation on your driving record.
How much does FR44 insurance cost?
The filing fee for an FR44 is usually about $25.
The downside is that you can expect to see significant rate hikes on your insurance premiums once you are labeled a high-risk driver. You might be required to carry more coverage than you otherwise would, too.
Your driving record isn’t the only thing that insurance companies look at when determining your insurance rates, but it will almost always have a significant effect on the rates you pay. The average rate increase for a DUI is a whopping 90%, just to give you an idea.
The good news is that some insurance companies will assign less weight to your driving record when they calculate your premiums.
This means that shopping around and comparing quotes can pay off, especially true if you have an intuitive tool like Jerry at your fingertips to make a tough job easy.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. So why do all that extra work when Jerry can do it better?
Key Takeaway The filing fee for an FR44 is inexpensive, but the insurance rate hikes that accompany it will be considerable.
What violations require an FR44?
FR44 forms are typically only required for serious violations. If you have any of the following offenses on your driving record, you might be asked to provide an FR44:
- DUI/DWI convictions
- Driving or causing an accident without insurance
- Driving recklessly
- Driving with a suspended license
MORE: DUI vs DWI
How long will I need to carry an FR44?
FR44 requirements usually last between 1 and 4 years for first-time offenses. If it is your second FR44 offense, your requirements might last even longer.
Your specific requirements will depend on the state you live in, as well as what type of violations you have.
If you have to submit an FR44, your local DMV or court will notify you of the FR44 requirements you will need to fulfill to reinstate your driving license. They will also advise how long you will need to keep an FR44 form attached to insurance.
Even if you have fulfilled all of your requirements, it’s a good idea to check in with your local DMV to ensure that you are entirely in the clear before you drop the form or switch providers.
The minimum amount of insurance that you will have to carry under an FR44 depends on the state you live in.
If you are considered a risky driver, you will have to carry a minimum of $100,000/$300,000 worth of bodily injury liability and $50,000 of property damage liability insurance.
This goes well beyond the $10,000 in personal injury protection insurance and $10,000 in property damage liability that low-risk drivers are required to carry.
In Virginia, an FR44 will mean that you need to carry a minimum of 50,000/$100,000 worth of bodily injury liability and $40,000 of property damage liability coverage.
What is the difference between an FR44 and an SR22?
The main difference between an FR44 and the SR22 form is that the FR44 will require you to purchase more liability insurance.
The FR44 is generally reserved for drivers who have committed more serious offenses, and only two states use this form. By contrast, you could be asked to provide an SR22 for minor offenses like traffic tickets.
For example, in Florida, you will only have to purchase $10,000 of bodily injury liability per person / $20,000 of bodily injury liability per accident and $10,000 of property damage liability coverage per accident to meet the SR22 requirements.
This is a lot less than the minimum of $100,000/$300,000 worth of bodily injury liability and $50,000 of property damage liability insurance that comes with the SR44 requirements.
Essentially, you will end up paying a lot more for your insurance policy with an FR44 than you would if you had an SR22.
Key Takeaway An FR44 will require you to purchase more insurance than an SR22.
FR44 non-owner insurance
It’s possible to have an FR44 requirement even if you don’t own a vehicle. If you live in one of the two states where FR44s are issued and your license is suspended for a major violation, you will have to purchase insurance even if you don’t have a car of your own to insure.
If this is the case, you can purchase non-owner insurance to meet your liability coverage requirements. Non-owner insurance does not include full-coverage options like collision insurance and comprehensive insurance.
Extra coverage options are useless if you don’t have a car.
It might seem silly to have to purchase insurance if you don’t have a vehicle, but it’s important to keep up on your policy payments to get your driver’s license reinstated.
Your insurer will file an FR44 with your non-owner policy, but your license will be suspended again if you let your policy lapse or cancel your coverage.
How to find affordable FR44 insurance coverage
Dealing with an FR44 can be a real pain, but Jerry can help you find the most affordable coverage options fast.
If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. You get all of the savings and coverage, with none of the hassles.
Not only is Jerry free to use, but friendly agents are standing by to navigate more complicated situations like FR44 insurance. Once you sign up for Jerry, you get access to top-tier personalized service so that you can find the best insurance options quickly.
It’s no wonder that Jerry is the top-rated insurance app on the app store! The customer reviews speak for themselves…
“Jerry offers the best customer service—hands down! I was blown away by the ease of getting a policy. And even when I ran into some snags, the professionalism and courtesy the staff at Jerry extended were unparalleled. I’m definitely going to recommend Jerry to friends and family!” —Satisfied Jerry User
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
Saved $725 annually
Alexander switched to Travelers
Saved $834 annually
Annie switched to Nationwide
Saved $668 annually
Check if you are overpaying for car insurance.
No phone calls. No long forms. Quotes from 45 insurance companies.