Updated March 2026
What Is Liability Insurance Insurance?
Liability insurance has two components: bodily injury liability, which pays medical bills, lost wages, pain and suffering, and legal defense if you injure someone in an accident you cause, and property damage liability, which pays to repair or replace another driver's vehicle or damaged property like fences, mailboxes, or storefronts. Your FR-44 mandates higher liability limits than standard drivers carry — Florida requires $100,000 per person injured, $300,000 per accident, and $50,000 property damage; Virginia requires $50,000/$100,000/$40,000. These limits represent the maximum your policy will pay per accident, and you are personally responsible for any amount exceeding those limits.
How Much Does Liability Insurance Insurance Cost?
- Your DUI conviction and conviction date directly impact liability premiums — insurers classify you as high-risk, which elevates base rates for the full three-year FR-44 filing period.
- Required FR-44 liability limits are two to four times higher than standard state minimums, which increases premium cost proportionally compared to basic coverage.
- Additional violations or at-fault accidents beyond the DUI conviction compound the rate increase — even minor infractions during your FR-44 period can raise premiums significantly.
- Location within Florida or Virginia affects rates — urban areas with higher accident frequency and repair costs typically result in higher liability premiums.
- Credit-based insurance scores are used in both Florida and Virginia, and a lower score can add 25–50% to your liability premium even with the same driving record.
- Whether you need owner or non-owner FR-44 — non-owner policies provide only liability coverage and typically cost $100–$300 per month, which is often less expensive than insuring a vehicle you own.
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