What is an FR-44 form?

An FR-44 form is a document of financial responsibility that proves you've purchased car insurance. If your license is suspended, you might be required to prove that you have car insurance before your license gets reinstated. The FR-44 is similar to an SR-22, the only difference is that the liability coverage requirements for an FR-44 are much higher.

Who needs an FR-44 form?

An FR-44 certificate is something most drivers will never need. It's generally required only for people with severe driving offenses. For example, if a driver is convicted of a DUI or DWI and their license is suspended, they might need an FR-44 form to get their license reinstated.

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

While the FR-44 is ultimately a form that proves you've purchased auto insurance, it differs a bit from the more commonly known SR-22. The FR-44 form has stricter insurance requirements than the SR-22 and is used for more severe driving offenses, which results in higher liability coverage requirements.

FR-44 Coverages

For an FR-44 in Florida, the minimum liability limits are $100,000/$300,000/$50,000. That means a minimum of $100,000 per person and $300,000 per accident for bodily injury liability coverage, and $50,000 for property damage liability coverage. Without an FR-44, Florida drivers typically only need $10,000 in personal injury protection coverage, and $10,000 per person for property damage liability coverage. The state's minimum required coverage for bodily injury liability ($10,000 per person and $20,000 per accident) can be waived.

How much does insurance with an FR-44 form cost?

Car insurance costs vary significantly from person to person, so it isn't easy to give an accurate estimate of how much rates might be under the FR-44 form. However, it's safe to assume that insurance rates will be higher for anyone required to submit the FR-44. Not only does the FR-44 form indicate that you might be a higher risk, but the incident that resulted in the need for it can also increase your rate. The additional coverage required by the FR-44 filing will also increase the cost of insurance.

How do I submit an FR-44 form?

If you are required to submit an FR-44 form, you must inform your agent at All Motors Insurance, and your insurance company will submit the form to Florida's Department of Motor Vehicles. If you don't have auto insurance, our agency has a number of car insurance companies that can provide you the most affordable FR-44 policy.

No matter your driving record or what coverage limits you might need, all our agents at All Motors Insurance can insure you with what you need and fits your budget. Give us a call at 305-362-6830 or submit a quote request here!