Updated March 2026
What Is FR-44 Insurance Insurance?
FR-44 insurance covers liability for bodily injury and property damage you cause to others in an accident, but at significantly elevated minimum limits mandated by Florida and Virginia DMVs following DUI/DWI convictions. The FR-44 itself is not insurance—it is a form your insurer files electronically with the state, certifying you maintain continuous liability coverage meeting or exceeding 100/300/50 in Florida or 50/100/40 in Virginia. If you injure another driver, FR-44-compliant liability insurance pays their medical bills, lost wages, and vehicle repair costs up to your policy limits. This coverage applies whether you own the vehicle you're driving or you've purchased a non-owner FR-44 policy solely for license reinstatement purposes.
How Much Does FR-44 Insurance Insurance Cost?
- Your DUI conviction details—blood alcohol content level, whether it was a first or repeat offense, and whether the incident involved property damage or injuries—directly influence underwriting risk classifications and premium surcharges.
- The liability limits you select above the minimum required FR-44 thresholds; choosing 250/500/100 limits in Florida instead of the mandatory 100/300/50 increases monthly premiums but substantially reduces personal financial exposure in serious accidents.
- Whether you purchase a non-owner FR-44 policy versus a standard policy covering a vehicle you own; non-owner policies typically cost $50 to $150 per month because they exclude collision and comprehensive coverage and carry lower claim frequency risk.
- Your driving record during the three-year filing period—any additional moving violations, at-fault accidents, or coverage lapses trigger mid-term rate increases or policy non-renewals, compounding already-elevated premiums.
- The insurer's appetite for FR-44 business; many standard carriers decline FR-44 applicants entirely, forcing you into non-standard or specialty markets where premiums run 30% to 60% higher than carriers who actively write high-risk policies.
- Your county and ZIP code; urban areas with higher accident rates and vehicle theft, particularly Miami-Dade and Hillsborough counties in Florida or Northern Virginia near Washington D.C., generate 15% to 25% higher FR-44 premiums than rural markets.
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