Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent Rachael Brennan

UPDATED: Jun 8, 2021

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Don't Forget These Facts

  • FR-44 and SR-22 are not auto insurance coverage options.
  • FR-44 insurance is only available in Florida and Virginia.
  • The majority of locations in the United States have an SR-22 program.
  • Drivers who need FR-44 or SR-22 will pay more for auto insurance per month.

FR-44 vs. SR-22 in Florida are two different programs that aren’t insurance coverage. You’ll need FR-44 and SR-22 to show the state of Florida that you’re carrying the appropriate auto insurance requirements to drive.

Although FR-44 and SR-22 are similar, the requirements for each program vary. Our guide will explain the difference between the FR-44 and SR-22 form.

An FR-44 and SR-22 form must be attached to an auto insurance policy if you’re a high-risk that’s been convicted of DUI.

You won’t be able to compare rates from FR-44 vs. SR-22 in Florida because they aren’t insurance policies, but you can enter your ZIP code in our FREE online quote tool to compare auto insurance quotes in your area.

What are FR-44 and SR-22 insurance in Florida?

When you have a DUI conviction in Florida, you must get FR-44 insurance certification to drive. However, you have to find a car insurance company that will attach a policy to your certificate.

The same goes for SR-22 certification. Since SR-22 insurance isn’t auto insurance coverage, you’ll need a company that will attach the program to your policy.

How does a Florida motorist attach FR-44 or SR-22 to their insurance policy? Although some companies may reject you, some companies do accept a high-risk driver.

FR-44 Insurance

You’ll need FR-44 insurance certification if you’ve been convicted of DUI in Florida. The only state with FR-44 legislation besides Florida is Virginia. Both states run the FR-44 system nearly the same.

SR-22 Insurance

If you’ve been in several accidents, have multiple speeding tickets, or drive recklessly too often, you’ll need SR-22 insurance. Motorists in Florida who commit DUI may be eligible for SR-22, depending on the court’s decision.

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What’s the difference between FR-44 and SR-22 insurance?

From a distance, FR-44 and SR-22 don’t appear to be that different from each other. However, we’ve taken a closer look at the details of both programs.

SR-22 insurance certification only requires that the high-risk Florida driver have the minimum requirements for auto insurance.

According to The Lewis Law Group, some Florida drivers can take a plea bargain and get a “wet reckless.” This means the court will issue a reckless driving charge instead of a DUI. Your auto insurance rates will still increase, but not at the rate of a DUI.

FR-44 certification is explicitly designed for DUI convicted drivers, and the program demands that the driver get a liability policy with a $100,000 coverage limit.

Let’s review the conditions that may be required to get FR-44 or SR-22 certified.

Comparing FR-44 vs. SR-22 Insurance Requirements
When Florida Drivers Need an FR-44When Florida Drivers Need an SR-22
- DUI and Alcohol-Related Convictions
- Unsatisfied judgment
- Driver license suspension as a result of a major conviction
- Point system suspension or habitual traffic offender revocation
- Uninsured automobile accidents that meet the reporting criteria
- Court conviction for no proof of insurance (PIP/PDL SR-22)
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Ultimately, FR-44 and SR-22 insurance certification will increase your Florida car insurance rates by at least 20 percent. Also, the conditions of you getting a license reinstated will require that you get SR-22 or FR-44 insurance certification.

What are the minimum auto insurance requirements in Florida?

The $100,000 coverage limit is typical when you buy full coverage or high coverage level rates.

Under FR-44, your coverage level rules are $100,000 for bodily injury of one person per accident, $300,000 for bodily injury of multiple people per accident, and $50,000 for property damage per accident.

People who find themselves under FR-44 certification have more than one DUI on their driving record. However, those who have one DUI or a few tickets are eligible for SR-22 insurance certification, which only requires Florida’s minimum car insurance limit.

Let’s look at Florida’s FR-44 minimum auto insurance requirements and compare them to SR-22 requirements.

Florida's FR-44 vs SR-22 Liability Auto Insurance Requirements
Florida FR-44
Minimum Liability Requirements
Florida SR-22
Minimum Liability Requirements
$100,000 Bodily Injury Liability per person
$300,000 Bodily Injury Liability per accident
$50,000 Property Damage Liability
$10,000 Bodily Injury Liability per person
$20,000 Bodily Injury Liability per accident
$10,000 Property Damage Liability
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The high coverage levels are necessary when assessing risk. A person with multiple DUIs is an extremely high risk for an accident.

Auto insurance companies will offset the possible cost and prepare for the chance that the driver will have another accident.

How much is high-risk auto insurance in Florida?

Fortunately for the high-risk driver, car insurance companies won’t charge ten times the cost of the average car insurance rate. However, your auto insurance quotes will be expensive.

Let’s compare the auto insurance rates from the top companies based on driving records.

Florida's Top Auto Insurance Companies: Average Monthly Auto Insurance Rates Based on Driving Record
Auto Insurance CompaniesAverage Monthly Rates With One DUI ConvictionAverage Monthly Rates With One AccidentAverage Monthly Rates With One Speeding TicketAverage Monthly Rates With a Clean Driving Record
State Farm$283$308$283$259
Liberty Mutual$608$419$440$322
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FR-44 Florida monthly payments (DUI related car insurance rates) are more expensive than other driving records.

You can’t buy FR-44 insurance, but you can pay the $15 to $25 fee to start the process. Once the process begins, the car insurance company will offer you a policy roughly around the rates you see above.

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FR-44 vs. SR-22 in Florida: The Bottom Line

You may not be able to buy SR-22 insurance or FR-44, but you can connect it to a high-risk auto insurance policy. It will require a visit to the Florida Department of Motor Vehicles, but that trip will keep you from fines, and it will help you get coverage. SR-22 insurance cost appears to be cheaper since FR-44 insurance rates require a higher coverage limit.

Compare FR-44 vs. SR-22 in Florida by entering your ZIP code in the FREE comparison tool below.