SR-22 and FR-44 serve the same basic purpose — proving to your state that you carry sufficient auto liability coverage after a serious violation — but they aren't interchangeable. Which one applies to you depends entirely on your state and, in some cases, the specific violation involved.
SR-22 vs FR-44 — Key Differences
| Factor | SR-22 | FR-44 |
|---|---|---|
| States | All 48 continental states | Florida and Virginia only |
| Required for | Various violations | DUI/DWI (primarily) |
| Liability limits | State minimum | Double state minimum |
| Cost impact | 50–100% premium increase | 100–150% premium increase |
| Duration | 2–3 years typically | 3 years (FL), 3 years (VA) |
Florida's state minimum is 10/20/10 ($10K bodily injury per person, $20K per accident, $10K property damage). FR-44 requires 100/300/50 — 10x more coverage. This significantly increases premiums. Average FR-44 in Florida costs $150–$300/month vs $80–$150/month for SR-22 in other states.
Virginia's standard minimum is 30/60/20. FR-44 requires 50/100/40. The increase is less dramatic than Florida's but still results in meaningful premium increases. Virginia FR-44 is required for 3 years following a DUI conviction.
Why FR-44 Costs More Than SR-22
FR-44's higher cost comes directly from its higher minimum liability requirements — typically double what standard SR-22 states require. Since your premium is based partly on your coverage limits, carrying double the liability coverage naturally costs more, independent of the high-risk surcharge both filings carry. Drivers in Florida or Virginia facing a DUI-related FR-44 requirement should budget for meaningfully higher premiums than an equivalent SR-22 driver in another state, even accounting for similar risk profiles.
Which Insurers Offer FR-44 Filing?
Not every insurer that offers SR-22 also handles FR-44 — the higher coverage minimums mean some carriers opt out of this niche entirely. Major insurers operating in Florida and Virginia, including State Farm, Progressive, and GEICO, generally support FR-44 filing, but always confirm directly before purchasing, since availability can change and smaller regional insurers are less likely to offer it.
Frequently Asked Questions
Yes — you still need to maintain your Florida FR-44 requirement even if you've moved. Your new state may also require SR-22. You'll need to purchase insurance that satisfies both requirements. Contact the Florida DHSMV for guidance on maintaining your FR-44 from out of state.
No — not all companies offer FR-44 filing. In Florida and Virginia, major insurers (State Farm, Progressive, GEICO) typically offer FR-44. Smaller or non-standard insurers may not. If your current insurer doesn't offer FR-44, you'll need to find one that does.