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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: monkeybusinessimages/Getty Images July 28, 2021 Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as allconnect, Healthline and Reviews.com. She previously worked for Morgan Stanley. Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Driving without car insurance is illegal in most states in the U.S., but for some drivers, the is more than they can afford, leaving many with no choice but to go without. However, the penalties for being caught without insurance are steep. This is where FR-44 insurance could be the perfect solution. FR-44 is a document of financial responsibility to prove that high-risk drivers carry the minimum amount of auto insurance as mandated by law. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More At Bankrate, we know the challenges of finding , especially when you are a high-risk driver facing high premiums. Still, you cannot afford to go without car insurance when the penalties and consequences are so steep. This is where we can help you find the right FR-44 car insurance for you. What is FR-44 Insurance
FR-44 Insurance, also known as an FR44, is a Certificate of Financial Responsibility. While the FR-44 is not actually insurance itself, it does prove that you carry the required by your state. FR-44 insurance is required when your record includes more serious offenses, such as DUI (driving under the influence), DWI (driving while intoxicated) or driving with a forfeited license. This insurance is similar to , but the requirements are much different. An FR44 has much more stringent requirements and terms than the standard SR-22, and it can also have long-term ramifications, such as higher insurance premiums in the future. When you have a significant offense on your record, insurance companies will likely classify you as a high-risk driver and therefore will charge you much more for your annual premium. How does an FR-44 impact my insurance
When you are classified as a high-risk driver, it can be far more difficult to obtain than the average driver. Insurance companies often charge much higher rates to account for the increased risk, and that is if you are approved at all. An FR-44 often means that you must purchase additional auto insurance coverage than the standard policy to account for the added risk. Some providers may also require you to pay for your premiums upfront on an annual or bi-annual basis. States where FR-44s are required
An FR-44 form is used specifically in two states: Virginia and Florida. Although both states require this form from your insurer, the requirements for each state are actually quite different. Virginia
The Virginia Department of Motor Vehicles (DMV) requires that you if you have committed certain offenses on or following January 1, 2008, or if you have been mandated per court order to continue FR-44 certification. You will need an FR-44 if you have any of the following crimes on your record: Driving on a suspended license or one forfeited due to a conviction Driving while under the influence Maiming under the influence Violation of any federal, state or local law similar to the above Virginia FR-44 liability insurance requires that you purchase a bare minimum amount of coverage. This includes the following protections in liability coverage. Virginia FR-44 Insurance Requirements Bodily Injury Coverage per person $50,000 Bodily Injury Coverage per accident $100,000 Property Damage Coverage $40,000 Florida
While set up similarly to Virginia, the carries far more significant penalties. As a popular vacation spot, Florida carries a than the national average, so state officials have cracked down on the penalties for those with a DWI or DUI conviction. There is one caveat, however: if your DUI or DWI conviction was on or before February 1, 2008, you are not required to obtain an FR-44. For all convictions thereafter, drivers in Florida must carry an FR-44. Florida requires significantly more liability coverage than Virginia does. Florida FR-44 Insurance Requirements Bodily Injury Coverage per person $100,000 Bodily Injury Coverage per accident $300,000 Property Damage Coverage $50,000 Additionally, Florida charges reinstatement fees based on the number of offenses that you have. Florida Reinstatement Fee Schedule Type of Offense Reinstatement Fee First offense $150 Second offense $250 Third offense $500 Based on these amounts, you need to find the for you who can provide you with this minimum amount of coverage and submit the required FR-44 to the state. Otherwise, your failure to obtain an FR-44 could result in the suspension of driving privileges and vehicle registration. How to get an FR-44 without a car
Not all FR-44 holders actually own a car. Some people still want to hold a valid driver’s license so that they can drive when they want or need to. A lapse in car insurance can also mean more expensive car insurance premiums when you have a car again. If you have a valid driver’s license but do not currently own a car, will ensure that you have uninterrupted auto insurance coverage that protects you if and when you slide behind the wheel. A non-owner auto insurance policy generally includes both bodily injury liability and property damage liability. Medical and uninsured motorist coverage may also be covered under your non-owner insurance policy. Damage to rental or borrowed vehicles is not usually covered, as well as things like comprehensive, collision and towing coverage, which require additional insurance. FR-44 vs SR-22
While an FR-44 is limited to Florida and Virginia, an SR-22 is a type of certification widely used around the country. An SR-22 is very similar to an FR-44, but it does not require such severe requirements. Instead, it requires that you carry the the minimum liability required by your state. Florida FR-44 Virginia FR-44 Bodily Injury Coverage per person $100,000 $50,000 Bodily Injury Coverage per accident $300,000 $100,000 Property Damage Coverage $50,000 $40,000 Frequently asked questions
How much does an FR-44 cost
Because your insurance provider handles the FR-44 for you, you will need to pay the company directly. The fee is minimal, usually between $15 and $25, and many providers simply add the cost onto your overall . What FR-44 coverage do I need in Virginia
If you need to obtain an FR-44 in Virginia, you will need to purchase the minimum following coverage: Bodily Injury Coverage per person: $50,000 Bodily Injury Coverage per accident: $100,000 Property damage coverage: $40,000 What FR-44 coverage do I need in Florida
If you live in Florida and are required to obtain an FR-44, you will need the following minimum coverage for your insurance: Bodily Injury Coverage per person: $100,000 Bodily Injury Coverage per accident: $300,000 Property damage coverage: $50,000 How do I file my FR-44
Before you can obtain an FR-44, you first must get the required minimum amount of insurance coverage. When you purchase your new policy, you need to notify your insurance provider that you need an FR-44 and the company will submit it to the state on your behalf. SHARE: Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as allconnect, Healthline and Reviews.com. She previously worked for Morgan Stanley. Morgan Chelsea Lanier has been an insurance editor for Bankrate since 2020. Using her eight years of experience in market research and data analysis, she works hard to understand her readers’ needs and bring data insights that provide accurate and straightforward answers to insurance questions. She firmly believes that all data tells a story – and she wants to bring that story to her readers. Related Articles