Insurance

FR-44 A high-limit liability filing required in Florida and Virginia after serious driving offenses like DUI

Marcus Lee By Marcus Lee, Senior Insurance Editor · Updated 2026-06-09
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An FR-44 is a financial-responsibility certificate that proves you carry the higher liability insurance limits required after a serious driving offense, typically a DUI. It exists in Florida and Virginia only, and it requires more coverage than the more common SR-22. In Florida, the FR-44 mandates 100/300/50 liability limits, meaning $100,000 per person for bodily injury, $300,000 per accident, and $50,000 for property damage. Your insurer files this form with the state to confirm your policy meets those minimums. The FR-44 is distinct from the SR-22, which uses lower limits and applies in many more states. If your policy lapses, the insurer notifies the state, which can suspend your license again. Coverage requirements, filing periods, and fees vary by state and individual case.
Also Known As
FR44 filing FR-44 certificate high-limit financial responsibility filing DUI insurance certificate
Used in Context
  1. After a DUI conviction in Florida, your attorney told you the court requires an FR-44 with 100/300/50 limits before you can reinstate your license.
  2. A Virginia driver shopping through Dreamy Leads discovered that an FR-44 demands higher liability coverage than the SR-22 they expected.
  3. Your insurance agent confirmed she could electronically file the FR-44 with the state once you upgraded your policy to the mandated limits.
Related Terms
Insurance SR-22 A filing that proves high-risk drivers carry the minimum required auto insurance Insurance Bodily Injury Liability The auto coverage that pays for injuries you cause to other people in an at-fault accident Insurance Insurance Premium The amount you pay to keep your insurance coverage active Insurance Deductible The amount you pay out of pocket before your insurer covers the rest of a claim Insurance Non-Owner Car Insurance Liability coverage for drivers who borrow or rent but don't own a car
Frequently Asked Questions

What's the difference between an FR-44 and an SR-22?

Both certify financial responsibility, but the FR-44 requires higher liability limits and exists only in Florida and Virginia. The SR-22 is used in many states with lower minimums. The FR-44 typically follows serious offenses like DUI, while the SR-22 can apply to a broader range of violations.

How much coverage does a Florida FR-44 require?

In Florida, the FR-44 requires 100/300/50 liability limits: $100,000 in bodily injury per person, $300,000 per accident, and $50,000 in property damage. These are significantly higher than standard state minimums. Your insurer files the certificate to confirm your policy meets these thresholds.

Which states require an FR-44?

Only Florida and Virginia require the FR-44. It is typically mandated after serious offenses such as DUI. Other states use the SR-22 instead, which carries lower liability limits. Specific requirements, filing periods, and fees vary by state and your individual case, so confirm details with your insurer.

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