Home / FR-44 Insurance: Florida and Virginia's DUI Certificate vs SR-22
FR-44 Insurance: Florida and Virginia's DUI Certificate vs SR-22
The short answer
An FR-44 is a certificate like the SR-22, but with higher liability limits. In our data for all 50 states and DC, only Florida and Virginia use it, after a DUI. Florida's FR-44 requires $100,000 / $300,000 / $50,000 and must be kept for 3 years from the date your license is reinstated. Virginia's FR-44 limits are double its SR-22 limits; with Virginia's 2025 minimums of $50,000 / $100,000 / $25,000, that is $100,000 / $200,000 / $50,000.
FR-44 vs SR-22
| SR-22 | FR-44 | |
|---|---|---|
| Who needs it | Drivers after certain suspensions, in most states | Drivers after a DUI, in Florida and Virginia |
| Florida limits | $10,000 / $20,000 / $10,000 | $100,000 / $300,000 / $50,000 |
| Virginia limits | $50,000 / $100,000 / $25,000 | Double the SR-22 limits |
| Who files it | Your insurer | Your insurer |
SR-22 and FR-44 in Florida · SR-22 and FR-44 in Virginia · How SR-22 works
Sources
FAQ
What is FR-44 insurance?
A certificate your insurer files in Florida or Virginia after a DUI, proving liability coverage at higher limits than an SR-22.
How long do you need an FR-44 in Florida?
3 years from the date your driving privilege is reinstated, according to FLHSMV.
Which states use FR-44?
In our data for all 50 states and DC, Florida and Virginia.