What states have something different than an SR-22?
Florida, Virginia, Indiana, and Maryland have unique certifications for high-risk drivers in their states. SR-22 proves that you have current and future car insurance coverage, but certifications like FR-44 only prove that you’ve purchased coverage.
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Written by
Elijah Black
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Reviewed by
Rachael Brennan
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UPDATED: Apr 18, 2022
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- Florida and Virginia have FR-44 certification for DUI-convicted drivers
- FR-44 requires double the minimum car insurance requirements
- SR-50 can only be found in Indiana
SR-22 is required for high-risk drivers across the United States. But some states have other certifications for high-risk drivers who have DUI convictions or drivers who’ve been in a car accident.
Which states have something different? Don’t worry — we’re here to explain which states have other certifications. Our guide shows you which states have something different than SR-22 and which states don’t require SR-22.
Table of Contents
What states have something different than an SR-22?
Florida, Indiana, Virginia, and Maryland have other certifications in addition to SR-22. SR-22 certification is for high-risk drivers with too many traffic violations or accidents.
But some states have additional certifications for more serious infractions. Indiana’s SR-50 certification is for drivers who’ve been in an accident, but Florida and Virginia’s FR-44 is for drivers who’ve been convicted of DUI or reckless driving. Maryland’s FR-19 requires insurance companies to send proof of insurance to Maryland’s department of motor vehicles.
Each certification comes with a fee from the insurance company. You won’t need to pay any fees to your local DMV, but you could have other related costs, such as fines and penalties.
What is FR-44?
FR-44 is only in Florida and Virginia. An FR-44 certification demands that a high-risk driver carries double the minimum coverage limits. Let’s examine and compare SR-22 and FR-44 liability car insurance requirements.
State Requirements SR-22
Minimum Liability RequirementsFR-44
Minimum Liability Requirements
Florida's Requirements $10,000 for bodily injury of one person per accident
$20,000 for bodily injury of multiple people per accident
$10,000 for property damage per accident$100,000 for bodily injury of one person per accident
$300,000 for bodily injury of multiple people per accident
$50,000 for property damage per accident
Virginia's Requirements $25,000 for bodily injury of one person per accident
$50,000 for bodily injury of multiple people per accident
$20,000 for property damage per accident$60,000 for bodily injury of one person per accident
$120,000 for bodily injury of multiple people per accident
$50,000 for property damage per accident
The difference between SR-22 and FR-44 is that SR-22 shows that you have current and future insurance coverage. But FR-44 certifies that you’ve bought insurance and currently have a policy.
What is SR-50?
SR-50 is Indiana’s certification that requires drivers convicted of moving violations to get SR-50. Drivers who were in an accident also need an SR-50 in Indiana.
The SR-50 certification proves that you have current insurance. Indiana can suspend your license if you don’t get SR-50 after a moving infraction or accident. Indiana drivers can fill out SR-50 forms and submit them through their insurance companies.
What is FR-19?
Maryland has FR-19 for drivers who need to show proof of insurance. It’s typically required when a Maryland driver has a coverage gap.
Maryland also requires insurance agents to send the FR-19 form to the Motor Vehicle Administration (MVA). Your insurance agent must send the FR-19 form electronically (also called eFR-19).
You can’t send photocopies of the FR-19 form. The insurance agent must fill it out and send it to the MVA. If you’re a Maryland driver and need an FR-19, contact a local insurance agent who works with your insurance company.
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Is SR-22 in every state?
SR-22 is in every state, but not all states require it. Thirty-eight states require SR-22 if you have too many accidents or traffic violations.
Here’s a list of states that don’t require SR-22:
- Delaware
- Kentucky
- Maryland
- Minnesota
- New Jersey
- New Mexico
- New York
- North Carolina
- Oklahoma
- Pennsylvania
- Rhode Island
- West Virginia
All other states in the nation require SR-22 when you have a lot of accidents or several traffic violations. If you’re an unlicensed driver moving to another state, you’ll need SR-22 certification.
Even if you move to one of the eight states mentioned in the list above, you’ll have to maintain your SR-22 status for one to three years.
Does SR-22 increase auto insurance rates?
Yes, it does. SR-22, FR-44, and other certifications could raise your car insurance rates. But how much does insurance go up after you get SR-22 or FR-44 certification? Let’s look at the estimated cost of car insurance based on SR-22 certification and compare it to averages that aren’t connected to SR-22.
State Average Monthly Auto Insurance Rates Average Monthly Insurance Rates w/ SR-22 Percent Increase Dollar Increase
Alabama $109 $206 89% $97
Alaska $104 $162 56% $58
Arizona $117 $298 156% $182
Arkansas $130 $228 76% $98
California $149 $427 187% $278
Colorado $140 $249 79% $110
Connecticut $165 $259 57% $94
DC $157 $245 56% $88
Delaware $153 $294 92% $141
Florida $188 $315 68% $128
Georgia $151 $282 86% $130
Hawaii $105 $372 256% $267
Idaho $85 $150 77% $65
Illinois $98 $185 89% $87
Indiana $88 $130 48% $42
Iowa $89 $160 78% $70
Kansas $118 $193 64% $75
Kentucky $134 $226 68% $92
Louisiana $186 $301 62% $115
Maine $74 $111 51% $37
Maryland $128 $169 31% $40
Massachusetts $135 $267 98% $132
Michigan $197 $694 252% $496
Minnesota $112 $218 95% $106
Mississippi $125 $211 68% $86
Missouri $107 $186 74% $79
Montana $132 $227 72% $95
Nebraska $107 $192 79% $85
Nevada $132 $207 58% $76
New Hampshire $96 $167 74% $71
New Jersey $118 $321 171% $203
New Mexico $125 $228 83% $103
New York $101 $155 53% $53
North Carolina $98 $464 375% $366
North Dakota $94 $167 78% $73
Ohio $80 $142 77% $62
Oklahoma $122 $183 50% $61
Oregon $110 $191 73% $81
Pennsylvania $120 $194 62% $74
Rhode Island $168 $302 80% $135
South Carolina $113 $198 76% $86
South Dakota $104 $187 80% $83
Tennessee $112 $196 75% $84
Texas $137 $225 64% $88
Utah $101 $167 66% $66
Vermont $97 $149 53% $52
Virginia $83 $141 70% $58
Washington $109 $184 69% $75
West Virginia $122 $231 89% $108
Wisconsin $96 $150 56% $54
Wyoming $131 $229 74% $98
North Carolina, Hawaii, and Michigan have the most expensive increases in the United States. Meanwhile, Maryland, Indiana, and Oklahoma have the lowest increase. Maine is the most affordable state for drivers under SR-22, and Michigan is the most expensive state for SR-22-certified drivers.
What are the cheapest SR-22 insurance companies?
Although SR-22 insurance isn’t insurance, most people know SR-22 car insurance as insurance with SR-22 attached. So when you shop for auto insurance, you’ll need to find a company that provides an SR-22 form.
Fortunately, we researched for you and found eight companies that provide cheap SR-22 insurance. Let’s look at the cost of SR-22 insurance at the most affordable car insurance companies that file SR-22s.
Companies Monthly SR-22 Insurance Rates
GEICO $46
Grange Insurance $51
Progressive $56
Mercury $58
Travelers $62
Wawanesa $62
Esurance $64
AAA $66
GEICO is one of the best companies to provide SR-22 for customers. If you’re in the military (active or retired), try USAA car insurance to find cheap SR-22 insurance.
Overall, each company provides affordable SR-22 insurance rates. If you need full coverage, your rates could be more expensive.
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Can you get FR-44, SR-50, etc., without owning a car?
Yes, you can. Non-owner auto insurance is available to drivers who don’t own a vehicle but need insurance. The same rules apply to a driver with a non-owner car insurance policy. The high-risk driver must submit an SR-22, FR-44, or other certification forms to their insurance company. The insurance company or agent turns in your form, and you should receive a confirmation by mail or email.
How long does SR-22 last?
SR-22 (including FR-44) lasts for three years. If your insurance company still sees you as a high-risk driver, you’ll need to reapply.
SR-50 remains on your driving record, and you won’t have to file again. Indiana drivers could also get their license reinstated after SR-50 certification has been filed and completed. And FR-19 remains on the Maryland MVA record until another coverage lapse occurs or when a driver switches car insurance companies.
States That Have Something Different Than an SR-22: The Bottom Line
Other certifications may differ from SR-22, but they could produce higher car insurance rates for drivers. And SR-22 and FR-44 are specifically for drivers with too many accidents or traffic violations.
SR-50 is needed if you get into an accident or if you’re convicted of a moving violation in Indiana. But FR-19 is for Maryland drivers who need to prove they have insurance after a coverage gap or when they change insurance companies. If you need any of these forms filled out, it could cost around $25 to file through your insurance company.