We answer FR44 questions every day. Here are the ones that come up most often, in one place.
Is FR44 a type of insurance policy?
No. It’s a certificate your existing auto insurance carrier files with the state confirming you carry the required higher liability limits. You still have a standard auto policy underneath it.
How long do I need it?
Typically three years without any lapse in coverage, though your specific requirement should be confirmed against your court or FLHSMV notice.
Why is my rate so much higher?
Two reasons: FR44 requires higher liability limits than standard policies, and the underlying conviction (usually DUI-related) is factored into risk pricing. Comparing multiple carriers is the best way to find a competitive rate despite this.
Can any insurance company file it?
No — only some carriers offer FR44 filings. Confirming this upfront saves time when shopping for quotes.
What if I already have insurance — do I need a new policy?
Not necessarily. If your current carrier offers FR44 filings and is willing to increase your limits accordingly, they may be able to file it on your existing policy. If not, you’ll need to switch to a carrier that does.
What happens if I let it lapse?
Your insurer must report the lapse, which can suspend your license again and potentially restart your three-year filing period.
Does FR44 affect my ability to get regular insurance later?
No — once your required filing period ends, you can typically shop for a standard policy without the FR44 attached, and rates often improve.
Have a question we didn’t cover? Visit our full FAQ page or get a free quote and ask us directly.
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