If you’ve been told you need “FR44 insurance” in Florida, the term alone can be confusing. Here’s the short version: FR44 isn’t a separate kind of insurance policy — it’s a certificate your insurance company files with the state confirming you carry higher-than-normal liability coverage.
The basics
FR44 stands for financial responsibility. Florida (along with Virginia) uses this specific form instead of the more widely known SR22 for certain DUI-related cases. When a court or the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) requires an FR44, your insurance company electronically files it on your behalf once your policy is active.
Why it exists
The FR44 requirement is designed to make sure drivers with certain serious convictions — most commonly DUI or DWI — carry enough insurance to cover the higher risk they represent on the road. That’s why FR44 requires higher liability limits than Florida’s standard minimum coverage.
What it’s not
It’s easy to assume FR44 is its own product you can shop for directly, but it’s really an add-on requirement to a standard auto policy. You still choose a policy with liability, PIP, and property damage coverage — your insurer simply attaches the FR44 filing to it.
What to do next
If you’ve received a notice requiring FR44 insurance, the most important thing is to get compliant coverage in place before any deadline passes. Not every carrier offers FR44 filings, so comparing options matters. Read our full FR44 insurance guide for details on cost, duration, and how to save money, or get a free quote to start comparing carriers today.
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