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.

Where this term matters

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Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

SR-22A certificate of financial responsibility filed by your insurer with the DMV — typically after a DUI.Bodily Injury Liability (BI)Auto liability coverage that pays for injuries you cause to other people in an at-fault accident.Liability CoverageCoverage that pays for bodily injury and property damage you cause to others — protects your assets.Property Damage Liability (PD)Auto liability coverage that pays for damage you cause to another person's vehicle or property.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
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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 June 2026

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