FR-44 Insurance: Finding the Best Coverage
For Florida and Virginia residents, FR-44 certificates are crucial for regaining driving privileges. Trust Breathe Easy Insurance for all your FR-44 needs.
What is FR-44 Insurance?
FR-44 insurance is a specific type of certification required for drivers convicted of a DUI or other serious offenses in Florida and Virginia. The FR-44 certificate serves as proof of financial responsibility and is mandated by state laws to ensure that high-risk drivers maintain higher liability coverage limits than those required for standard auto insurance. The FR-44 form, often confused with the SR-22, is more stringent in its requirements, reflecting the severity of the offenses it is associated with.
FR-44 Insurance Requirements in Florida and Virginia
In both Florida and Virginia, FR-44 insurance mandates significantly higher liability coverage than the standard policy requirements. These increased coverage limits are designed to provide more substantial financial protection in the event of an accident, given the higher risk profile of the driver. This coverage typically includes:
| Liability Coverage | Florida FR-44 | Virginia FR-44 |
|---|---|---|
| Bodily Injury per Person | $100,000 | $60,000 |
| Bodily Injury per Accident | $300,000 | $120,000 |
| Property Damage | $50,000 | $40,000 |
| PIP | $10,000 | N/A |
Who Must File an FR‑44 Form?
FR-44 forms are specifically required for high-risk drivers in Florida and Virginia who have committed serious driving offenses, including:
- Driving Under the Influence (DUI)
- Causing Serious Injury While Driving Under the Influence
- Driving with a Suspended License
- Violations Related to DUI or Suspended License
If ordered by the court or DMV, these high-risk drivers must maintain an FR-44 certificate for a specified period, typically three years, although this can vary based on individual circumstances and state regulations. It is essential to continuously maintain the required coverage to avoid further legal complications and potential loss of driving privileges.
The Difference Between FR-44 and SR-22 Insurance
While both FR-44 and SR-22 certificates are forms of proof of financial responsibility required after certain driving offenses, there are key differences:
Coverage Limits
FR-44 requires higher liability limits than SR‑22, providing more financial protection for high-risk drivers in accidents.
States
FR-44 certificates are unique to Florida and Virginia.
Offenses
FR-44 is typically required for more severe offenses such as DUIs, while SR‑22 can be mandated for a broader range of infractions.
Understanding these distinctions is crucial for drivers to ensure they meet the correct legal requirements in their state. For a more information on the differences between FR-44 and SR-22 certificates, read our blog post about how to determine which insurance is right for you.
The Cost of FR‑44 Insurance
FR-44 insurance is generally more expensive than standard car insurance due to the higher liability limits and the increased risk associated with drivers who need this coverage. Costs differ for each driver based on several factors, including:
- Driving Record: Past violations and accidents can raise premiums.
- Type of Car You Drive: The make, model, and year of your vehicle can also impact the cost. High-value or high-performance cars tend to have higher insurance premiums compared to more modest vehicles.
- Location: Rates vary from state to state and even from one zip code to the next.
- Insurance Provider: Different companies offer various rates and discounts.
Despite the higher cost, shopping around for quotes can help find the most affordable FR-44 insurance. The Breathe Easy team specializes in helping you find an affordable FR-44 plan tailored to your specific budget and needs.
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Filing an FR-44 Certificate
1. Contact Your Insurance Provider
2. Submit Required Information
3. Purchase the Policy
4. File the FR‑44 Form
It’s important to maintain FR-44 insurance continuously for the required period to avoid further legal complications. If your insurance lapses, your insurer must notify the state immediately, which could disqualify your FR-44 and potentially your driver’s license.
Affordable FR-44 Insurance from Breathe Easy
At Breathe Easy Insurance, we understand the financial burden that comes with FR-44 insurance requirements. We are committed to helping our clients find affordable options that meet all state-mandated requirements. Our team works with multiple insurance providers to offer competitive rates and customized coverage plans.
Why Choose Breathe Easy Insurance
- Expertise: Breathe Easy’s expert team of licensed agents understands the challenges you face during license reinstatement and specializes in high-risk DUI insurance.
- Competitive Rates: By partnering with various insurers, we provide quotes and find the best FR-44 coverage at competitive rates.
- Customer Support: Our dedicated team offers personalized assistance throughout the process, from filing to maintaining your policy.
Frequently Asked Questions About FR-44 Insurance
Drivers convicted of DUIs or other severe offenses in Florida and Virginia are required to file for FR-44 insurance. In Florida, this requirement is implemented at the discretion of the court.
The requirement typically lasts for three years but can vary depending on state regulations and the specifics of the offense.
Costs are typically higher than standard insurance due to increased liability limits and varies based on individual factors like driving record and location. At Breathe Easy Insurance, we partner with various insurers to find you an affordable plan.
Finding the cheapest FR-44 insurance isn't always about choosing companies known for low-cost standard policies. High-risk insurance specialists often provide better prices for FR-44 insurance because they understand the unique challenges drivers face after a DUI. At Breathe Easy Insurance, we specialize in helping high-risk drivers find tailored, affordable coverage by working with carriers that offer competitive rates specifically for FR-44 policies. Contact us today by calling 833-786-0237 to get a free quote.
No, FR-44 certificates require higher liability coverage and are specific to Florida and Virginia, while SR-22 forms are used in many states for various offenses.
Yes, a DUI typically leads to higher premiums or policy non-renewal. You may need FR-44 insurance to meet state requirements and stay insured despite your record.
Filing an FR-44 certificate does not directly affect your driving record, but the underlying offense, such as a DUI, will. Your insurance provider will likely increase your premium rates at renewal when they become aware of the reason for your FR-44 request. These rate increases often occur at the first renewal following the FR-44 filing.
You can verify your status by contacting your insurance provider or the state DMV.
