The FR44 Filing Process, Step by Step

If you’ve been told you need an FR44 filing, the process is more straightforward than it sounds. Here’s what actually happens, step by step.

Step 1: Confirm your requirement

Start with the notice from the court or the FLHSMV — it will specify that an FR44 (not SR22) is required, along with any relevant dates. If you’re not sure which applies to your case, we can help confirm it.

Step 2: Get quotes from FR44-eligible carriers

Not every insurance company files FR44 certificates, so the first practical step is comparing quotes from carriers that do. Pricing varies significantly between insurers for FR44 risk specifically, so this step is where most of your potential savings live.

Step 3: Choose and activate a policy

Once you select a carrier, you’ll set up your policy with the required liability limits. Payment and an active policy are typically required before the FR44 filing can be submitted.

Step 4: Your insurer files electronically

Your insurance company submits the FR44 certificate directly to the FLHSMV through the state’s electronic filing system. This step usually happens automatically once your policy is active — you don’t need to file anything yourself.

Step 5: Confirmation and license reinstatement

Once the state receives your FR44 filing, it’s applied to your driving record. If your license was suspended pending this requirement, this is typically the step that allows reinstatement (along with any other conditions set by the court).

Step 6: Maintain continuous coverage

From here, the priority shifts to keeping your policy active without any lapse for your full required filing period, typically three years.

Ready to start? Get a free quote and we’ll walk you through each step, including the filing itself.