Florida FR44 Insurance

FR44 Insurance 101

What Is FR44 Insurance?

FR44 Insurance isn’t actually a type of insurance, it’s simply auto insurance with an FR44 Filing Attached.

What Is an FR44 Filing?

FR44 Filing is an endorsement on an auto insurance or a non owners auto insurance policy.  It’s a form that is filed with the DMV by your insurance company that lets them know that you are carrying the required liability insurance limits of 100/300/50.

Why is an FR44 Form required?

An FR44 Form is required by the Department of Motor Vehicles in order for a particular individual to be allowed driving privileges.  The DMV will require an FR44 for individuals that pose a high risk to motorists.  In most cases, an FR44 is required for an individual that has been convicted of driving under the influence.  It’s mainly a way for the DMV to insure that a high risk drivers carries auto insurance to protect the general public.

How long is an FR44 required for?

An FR44 endorsement on your policy is usually required for a term of 3 years, after which the FR44 Filing will no longer be required and the endorsement can be removed from your policy.

How Much is FR44 Insurance?

Since FR44 insurance is just a filing attached to your auto insurance, the cost of an FR44 policy is the same as the cost of an auto insurance policy plus about a $20, one time, filing fee.  Other than the fee to file an FR44, no other additional costs are associated with having an FR44.  However, the reason you need an FR44, such as a DUI, will affect your rates.

What happens if my FR44 insurance is cancelled?

While you’re in the 3 year period where an FR44 is required, if your policy that has the FR44 filing is cancelled for any reason, the DMV will again revoke your driving privileges. In this event, you must obtain an FR44 policy again and also reinstate your license with the DMV including paying the DMV reinstatement fee which is usually around $55. If you have a lapse in your policy due to a late payment, your FR44 may be cancelled and your driving privileges may be suspended once again.

What’s the difference between SR22 and FR44?

An FR44 is required usually in the case of a DUI and main difference with an SR22 & FR44 is that with the FR filing, you are required to carry higher limits of liability than the state minimum, the minimum required coverage is 100/300/50.  You are also usually required to pay an FR44 policy in full since the FR filing is required on more serious offenses.

What companies offer FR44 insurance?

The best way to find FR44 Insurance is to simply type in “FR44 Insurance”, or “FR44 Insurance Quotes” in a search engine that will provide you results of insurance companies offering FR44 Insurance.  It’s recommended to shop around 3 companies to ensure you’re getting a competitive rate.