| Feature | SR22 | FR44 |
|---|---|---|
| What it is | Certificate of financial responsibility | Certificate of financial responsibility (enhanced version) |
| States that use it | 48 states + D.C. | Florida and Virginia only |
| Triggered by | DUI, reckless driving, uninsured accident, license suspension, habitual violations | DUI/DWI conviction specifically (Florida and Virginia) |
| Minimum liability (typical) | State minimum (varies — often $25K/$50K bodily injury) | $100K/$300K bodily injury + $50K property damage (Florida) or $50K/$100K + $40K PD (Virginia) |
| Why higher limits for FR44 | N/A | DUI is specifically treated as higher-risk — state mandated higher minimums |
| Duration (typical) | 3 years in most states | 3 years in both FL and VA |
| Cost vs. clean record | +30–150% depending on violation | +50–200% — higher minimums = higher premium baseline |
| Non-owner option | Yes | Yes |
| Same-day filing | Yes (electronic) | Yes (electronic) |
| Your Situation | What You Need |
|---|---|
| DUI conviction in Florida | FR44 (not SR22) |
| DUI conviction in Virginia | FR44 (not SR22) |
| DUI conviction in any other state | SR22 |
| Reckless driving conviction (any state) | SR22 (if license suspended) |
| Driving without insurance, at-fault accident | SR22 |
| Too many points / habitual offender | SR22 |
| DUI in Florida + out-of-state resident | FL FR44 + possible home-state SR22 |
| Non-owner, no vehicle | Non-owner SR22 or non-owner FR44 (based on state) |
FR44 requires substantially higher liability minimums than SR22. Florida's FR44 minimum — $100,000 per person / $300,000 per accident bodily injury — is 4–10x higher than many states' SR22 minimums. More coverage = higher premium. It's not a separate surcharge; it's the cost of insuring at a higher level.
Example: A Florida driver who got a DUI in Indiana would need SR22 to reinstate in Indiana (Indiana minimums: $25K/$50K) and FR44 to reinstate in Florida (FL minimums: $100K/$300K). The FR44 premium would be significantly higher.
Four states don't use the standard SR22 form: Delaware, Kentucky, Minnesota, and New Mexico. They use equivalent financial responsibility filings under different names. Florida and Virginia use FR44 for DUI specifically (while still using SR22 for other violations in some circumstances).
Whether you need SR22 or FR44:
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