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The differences between an FR-44 and an SR-22

The FR-44 is another proof of financial responsibility form, similar to the SR-22, that's used only in Florida and Virginia.
Unlike the SR-22, which only requires that drivers meet the minimum amount of car insurance required by their state,
the FR-44 requires that your liability coverage limits are significantly higher than state minimums 100/300. 

Individuals convicted of the following violations may be required to carry an FR-44:

  • DUI (with or without injury)
  • Driving on a suspended license

The state lets drivers know which form is required and for how long.

The financial costs of an FR-44

The financial penalty to drivers required to carry an FR-44 can be hefty.

For example, in Florida, drivers without an FR-44 requirement are required to carry $10,000 of bodily injury and property damage coverage. Drivers who do need to file an FR-44 are required to carry a minimum of $100,000/$300,000 for bodily injury coverage and $50,000 for property damage coverage. And in general, the higher the limits, the more you can expect to pay for the coverage.

Esurance requires FR-44 drivers to pay for their policies in full to guarantee the policy won't be canceled mid-term, which the states don't allow.

Once you have successfully completed your probationary term, an FR-46 form will be filed by your insurer. The FR-46 performs the same function as the SR-26.

Call Northside Insurance Agency for an FR-44 Quote at 813.960.5225.

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14009 N. Dale Mabry Hwy, Tampa, FL 33618
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