What is FR44 Insurance?

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FR44 Insurance is similar to SR22 Insurance in that it is a form that is required by the Department of Motor Vehicles in order to obtain and/or retain your license after a major incident. With FR44 Insurance, the state mandates increased limits of liability. Increased limits are not required with SR22 Insurance.

In Virginia, the FR44 Insurance requirement is double the minimum. Virginia’s minimum limit of liability to be a legally insured driver is 25/50/20. The double the minimum requirement increases that limit for an FR44 insured driver to 50/100/40. Those numbers translate as follows:

Bodily injury/death of a single person in an accident = $50,000
Bodily injury/death of two or more people in an accident = $100,000
Property damage = $40,000

In the state of Florida, the FR44 insurance requirement is even higher. The limit requirement for an FR44 insured driver is increased to 100/300/50. In which case those numbers translate to:

An FR44 insurance filing is normally required for three years. And just like SR22 insurance rates, you should shop around with multiple carriers before you purchase an insurance policy. Rates will vary substantially between companies when an FR44 filing is required. Not all companies will even offer FR44 insurance.

It is best to check with a reputable independent insurance agency that has access and knowledge of the high risk insurance market to properly place your coverage with the best fit for your individual needs.

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