Auto Insurance
FR-44
A high-limit financial responsibility certificate required in Florida and Virginia after serious driving violations.
Last reviewed: May 2026 · Editorial methodology
Definition
The FR-44 is a certificate of financial responsibility similar to an SR-22 but with significantly higher minimum liability requirements. It is required only in Florida and Virginia, typically after a DUI or DWI conviction involving drugs or alcohol. Florida requires FR-44 filers to carry at least 100/300/50 liability limits — four times the state's standard minimums. Virginia requires 50/100/40. The filing itself usually costs $15–$50, but the jump in required coverage causes premiums to spike dramatically — often $2,000–$5,000 per year more than a standard policy. FR-44 requirements typically last three years.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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