SR-22 vs. FR-44: Understanding the Difference
A detailed comparison of SR-22 and FR-44 financial responsibility forms and when each applies.
If you live in Florida or Virginia and have a DUI conviction, you may need an FR-44 instead of an SR-22. Understanding the differences between these two forms is crucial for compliance.
What They Have in Common
Both SR-22 and FR-44 are certificates of financial responsibility filed by your insurance company with the state DMV. Both prove you carry auto insurance coverage and both are required after serious driving violations.
Key Differences
The primary difference is in the required coverage limits. SR-22 requires your state's standard minimum coverage, while FR-44 requires significantly higher limits. FR-44 is only used in Florida and Virginia, and only for DUI/DWI-related offenses.
Florida FR-44 Requirements
In Florida, FR-44 requires $100,000 per person and $300,000 per accident for bodily injury liability, plus $50,000 for property damage. This is substantially higher than Florida's standard minimums of $10,000/$20,000/$10,000.
Virginia FR-44 Requirements
Virginia's FR-44 requires $50,000 per person and $100,000 per accident for bodily injury, plus $40,000 for property damage. Virginia's standard minimums are $25,000/$50,000/$20,000.
Cost Implications
Because FR-44 requires higher coverage limits, insurance premiums are typically higher than for SR-22. Drivers in Florida and Virginia with DUI convictions should expect to pay 20-40% more than they would with a standard SR-22 in another state.
Duration
Like SR-22, FR-44 is typically required for 3 years. The filing period starts from the date of conviction or license reinstatement.