Auto & Driving
FR-44 Insurance Cost Calculator
Estimates based on MoneyGeek, Progressive, and duiinsurancecalculator.com data, updated August 2026.
See what an FR-44 filing is likely to add to your insurance costs in Florida or Virginia, the higher required liability limits plus the premium increase.
Data sourced from MoneyGeek, Progressive, duiinsurancecalculator.com
Estimated added cost over the 3-year filing period
$0
How this is calculated
Source: MoneyGeek, Progressive, duiinsurancecalculator.com (FR-44 requirements and cost ranges) · Last updated 2026-08-20 · See how we calculate this →
Not in Florida or Virginia? See the standard SR-22 Insurance Cost Calculator most other states use instead, it is typically far cheaper.
Why an FR-44 costs so much more than a standard SR-22
An FR-44 is a certificate of financial responsibility, functionally similar to an SR-22 in that your insurer files it with the state on your behalf. But only two states use it, Florida and Virginia, and only for alcohol-related offenses like a DUI or DWI conviction.
What makes it hit so much harder than a standard SR-22 is the coverage it forces you to carry, not just the high-risk reclassification.
In Florida, an FR-44 requires $100,000 per person and $300,000 per accident in bodily injury liability, plus $50,000 in property damage liability. That is a bigger jump than it looks: Florida is one of only two states that does not require bodily injury liability coverage at all under normal circumstances, it only requires $10,000 in personal injury protection and $10,000 in property damage.
An FR-44 can mean buying bodily injury coverage for the first time, at limits ten times the property damage minimum, all at once.
Virginia's FR-44 requires $100,000 per person and $200,000 per accident in bodily injury liability, plus $40,000 in property damage. Virginia raised its own standard minimum to $50,000/$100,000 bodily injury and $25,000 property damage effective January 1, 2025, the final step of a phased three-year increase, so the FR-44 requirement in Virginia is exactly double that new standard.
Stack the higher mandatory limits on top of the high-risk reclassification, and reported premium increases run anywhere from about 50% to 200% or more above what the same driver paid before the DUI, a materially wider and higher range than the roughly 9% average increase typical of a standard SR-22 filing in most other states.
Both states require three consecutive years of continuous coverage, and a lapse during that window commonly triggers a license suspension and restarts the clock.
The filing fee itself is small, typically $15 to $25 a year. It is the coverage requirement and the high-risk premium that actually drive the total cost, which is why shopping quotes across insurers who specialize in FR-44 filings matters even more here than with a standard SR-22.
Frequently asked questions
What is an FR-44, and how is it different from an SR-22?
An FR-44 is a certificate of financial responsibility, like an SR-22, but only Florida and Virginia use it, and only for alcohol-related offenses such as a DUI. It requires much higher liability coverage limits than a standard SR-22 filing does.
Why is an FR-44 so much more expensive than a standard SR-22?
Two things stack together: you are reclassified as high-risk, the same as with an SR-22, but you are also required to carry far higher liability limits than the state minimum, sometimes for the first time.
In Florida, drivers normally are not even required to carry bodily injury liability at all, so an FR-44 can mean buying that coverage for the first time at $100,000/$300,000 limits.
How long do I need an FR-44?
Both Florida and Virginia require three consecutive years of continuous FR-44-backed coverage. A lapse during that window typically triggers a license suspension and can restart the three-year clock.
Does every DUI conviction require an FR-44?
Only in Florida and Virginia. Every other state that requires financial responsibility filings after a DUI uses the standard SR-22 form instead, with lower required liability limits.