Best FR-44 Auto Insurance: Top Companies & Coverage (2026)
Liberty Mutual, Nationwide, and State Farm have the best FR-44 auto insurance, while Geico offers the lowest rate starting at $104 per month. FR-44 car insurance shoppers should also consider Mercury with bundling discounts up to 25% and Travelers with 250/500/100 liability limits for higher required coverage.
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Insurance Copywriter
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, AllWom...
Rachel Bodine
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Scott Young
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Updated August 2026
The providers with the best FR-44 auto insurance are Liberty Mutual, Nationwide, and State Farm, with high claims satisfaction and strong liability coverage.
- FR-44 auto insurance supports 100/300/50 liability filings
- Top insurers offer 30% telematics and 25% bundling savings
- Keep coverage active for three years to avoid restarting FR-44 filings
Liberty Mutual ranks highest for flexible coverage options. Nationwide is a good choice for drivers who need higher liability limits. State Farm has an A+ rating from A.M. Best, and its rates start at $112 per month after an FR-44 filing.
Geico offers rates starting at $104 per month and is known for quick claim filing. Mercury provides bundling discounts that can save you up to 25%.
Top 10 Companies: Best FR-44 Auto Insurance| Company | Rank | Claims | A.M. Best | Best for |
|---|---|---|---|---|
 | #1 | 730 / 1,000 | A | Flexible Coverage |
 | #2 | 729 / 1,000 | A+ | Liability Options |
 | #3 | 716 / 1,000 | A+ | Affordable Rates |
 | #4 | 701 / 1,000 | A | Bundling |
 | #5 | 697 / 1,000 | A++ | Fast Filing |
 | #6 | 693 / 1,000 | A+ | Full Coverage |
 | #7 | 691 / 1,000 | A++ | High Limits |
 | #8 | 690 / 1,000 | A | Industry Experience |
 | #9 | 673 / 1,000 | A+ | High-Risk Drivers |
 | #10 | 605 / 1,000 | A- | Easy Approval |
This guide looks at leading providers, liability limits, available discounts, and filing costs to help you find the right FR-44 car insurance.
Compare the best FR-44 auto insurance rates from top companies by entering your ZIP code into our free quote comparison tool.
FR-44 Insurance Prices For Different Policies
If you need FR-44 insurance, you can save money each year by comparing how different companies price minimum and full coverage policies.
High-risk drivers can benefit from comparing cheap liability-only insurance plans, since premiums can range from $104 to $142 per month for drivers in their 40s.
FR-44 Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $142 | $334 |
| $127 | $302 |
| $104 | $250 |
| $141 | $337 |
| $134 | $318 |
| $136 | $323 |
| $121 | $286 |
| $138 | $328 |
| $112 | $265 |
| $132 | $313 |
Geico offers the lowest minimum coverage rate at $104 per month, and State Farm is next at $112. Both are good options if you have a DUI.
Full coverage with Liberty Mutual can cost up to $337 per month. Choosing coverage limits that fit your needs can help you manage your insurance costs over time. Compare quotes online for different coverage levels to find the best FR-44 insurance.
How DUI Convictions Impact FR-44 Premiums
If you get a DUI, your monthly insurance costs can rise fast. This makes it even more important to compare insurers before you renew your policy.
For example, a 45-year-old with excellent credit and no violations might pay only $52 a month with Auto-Owners or $55 with Geico for minimum coverage.
Auto Insurance Monthly Rates: Before vs. After a DUI| Company | Before DUI | After DUI | Increase | % Change |
|---|---|---|---|---|
| $78 | $142 | $64 | +82% |
 | $69 | $129 | $60 | +87% |
 | $52 | $98 | $46 | +88% |
 | $56 | $108 | $52 | +93% |
| $55 | $104 | $49 | +89% |
| $64 | $121 | $57 | +89% |
| $71 | $138 | $67 | +94% |
| $59 | $112 | $53 | +90% |
| $94 | $182 | $88 | +94% |
| $70 | $132 | $62 | +89% |
After a DUI, the same driver could see their monthly premium rise to $98 with Auto-Owners, $104 with Geico, or $112 with State Farm. Read More: Cheap Auto Insurance After a DUI
Some insurance companies raise rates even more. Progressive and National General increase premiums by 94%, and Allstate goes up by 82% after a conviction.
After violations, monthly premiums can range from $98 to $182, but comparing minimum coverage options can help.
Rates vary by age, location, and credit score, so compare quotes from several companies before you file an FR-44 to save money.
Comparing FR-44 Insurance Across Age Groups
Age is a big factor in FR-44 auto insurance costs. Monthly premiums usually go down as drivers get more experience.
For mature drivers, Geico has the lowest rate at $104, and State Farm is next at $112. Both are good options for minimum coverage after a DUI.
FR-44 Auto Insurance Monthly Rates by Age| Company | 18 | 25 | 35 | 45 |
|---|---|---|---|---|
| $293 | $180 | $157 | $142 |
| $279 | $171 | $149 | $127 |
| $207 | $127 | $111 | $104 |
| $310 | $190 | $166 | $141 |
| $290 | $178 | $155 | $134 |
| $299 | $184 | $160 | $136 |
| $242 | $149 | $130 | $121 |
| $268 | $165 | $144 | $138 |
| $220 | $135 | $118 | $112 |
| $262 | $161 | $140 | $132 |
Younger drivers pay much higher rates, from $207 a month with Geico to $310 monthly with Liberty Mutual at age 18. This is because they are seen as higher risk for claims, especially after an FR-44 filing.
Looking at rates by age can help high-risk drivers find better deals, since prices for the same coverage can vary by $40 a month or more. Enter your ZIP code to compare quotes by age in your state.
How Driving Violations Affect FR-44 Insurance Costs
Your driving record plays a major role in how much you pay for FR-44 auto insurance. After a serious violation, insurance companies see you as a higher risk, which can raise your costs.
If you are trying to get coverage again after filing an FR-44, it helps to compare several insurance companies. Monthly premiums can range from $104 to $142.
Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $78 | $105 | $142 | $94 |
| $74 | $100 | $127 | $90 |
| $55 | $74 | $104 | $66 |
| $82 | $112 | $141 | $100 |
| $77 | $106 | $134 | $95 |
| $80 | $108 | $136 | $97 |
| $64 | $87 | $121 | $78 |
| $71 | $96 | $138 | $86 |
| $59 | $80 | $112 | $71 |
| $70 | $94 | $132 | $83 |
Drivers with clean records pay much less, just $55 a month with Geico or $59 with State Farm before any violations change the price.
If you get a DUI, your minimum coverage premiums go up a lot. For example, Geico often starts at $104 per month, and State Farm is close at $112 for many drivers.
Don’t Miss It: How Speeding Tickets Affect Auto Insurance
FR-44 Car Insurance Options for Different Credit Scores
Credit scores affect FR-44 auto insurance premiums nearly as much as your driving record. That’s why it’s important to compare online quotes before you buy a policy.
If you have fair credit, Geico offers the lowest monthly rate at $104. State Farm is next, with a similar minimum coverage rate of $112.
FR-44 Auto Insurance Monthly Rates by Credit Score| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $78 | $107 | $142 | $169 |
| $74 | $98 | $127 | $150 |
| $55 | $77 | $104 | $125 |
| $82 | $109 | $141 | $166 |
| $77 | $102 | $134 | $155 |
| $80 | $105 | $136 | $160 |
| $64 | $90 | $121 | $145 |
| $71 | $101 | $138 | $166 |
| $59 | $83 | $112 | $135 |
| $70 | $98 | $132 | $158 |
When your credit drops from excellent to fair, Geico’s premium goes up from $55 to $104. If you’re recovering from a DUI, you may face even higher insurance rates.
Improving your credit over time could help you get lower premiums when you renew your policy.
Lower credit doesn’t eliminate savings opportunities. For instance, paying a 6-month policy upfront can reduce finance charges.
Brandon Frady Licensed Insurance Agent
With poor credit, Liberty Mutual and Progressive both charge $166 per month, while Nationwide is lower at $145 monthly. These differences between insurers can really add up.
Learn how to compare several auto insurance companies before choosing FR-44 coverage. When you comparison shop online, you can lower your long-term insurance costs, even if you have credit challenges or state filing requirements.
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Comparing FR-44 Liability Limits and Premiums
The FR-44 coverage level you choose will impact your monthly premium and the amount of liability protection you need to meet state requirements.
Basic coverage usually costs between $110 and $150 per month for 100/300/50 limits. If you want mid-level protection with 100/300/100 coverage, the price goes up to about $130 to $165 each month.
FR-44 Auto Insurance Monthly Rates by Coverage Level| Coverage Level | Premium | Liability Limits |
|---|---|---|
| Minimum | $110–$150 | 100/300/50 |
| Mid-Level | $130–$165 | 100/300/100 |
| High-End | $250–$335 | 250/500/100 |
If you want more financial protection, high-end plans with 250/500/100 liability limits usually cost between $250 and $335 per month.
Looking at different coverage levels before you buy a policy can help you find the right balance between monthly costs and the higher liability requirements that come with an FR-44 filing.
Important Details: Liability vs. Full Coverage Auto Insurance
Common Reasons FR-44 Insurance Costs More
Many personal and policy factors affect FR-44 auto insurance premiums. Knowing what these are can help you avoid paying more than you need to.
If you have a DUI, recent claims, or a gap in your coverage, you will likely pay higher monthly rates. Insurers see these situations as higher risks.
Factors That Affect FR-44 Auto Insurance Rates| Variable | Cost Impact |
|---|---|
| Age & Gender | Higher risk increases rates |
| Claims History | Recent claims raise premiums |
| Coverage Limits | Higher limits increase cost |
| Credit Score Tier | Good credit lowers rates |
| Driving Record | Violations increase premiums |
| DUI/DWI Offense | These cause much higher rates |
| Filing Requirement | FR-44 has higher increases |
| Insurance Carrier | Premiums vary by insurer |
| Location & ZIP | Urban areas have higher rates |
| Marital Status | Married drivers often pay less |
| Payment Method | Upfront pay may reduce cost |
| Policy Type | Full coverage increases cost |
| Previous Insurance | Coverage lapse raises rates |
| State Filing Rules | State rules impact premiums |
| Time Since Violation | Premiums decrease over time |
| Vehicle Type & Use | Vehicle & mileage affect rates |
Your credit score, where you live, how you use your car, and whether you choose full coverage or just minimum liability auto insurance all affect your monthly costs during the policy.
Paying your premium in full instead of monthly can sometimes get you a discount. Keeping your insurance active also helps you avoid rate increases after you meet fr-44 insurance requirements for filing.
Premiums usually go down the longer you go without a violation. Drivers who keep a clean record and avoid more claims or tickets are rewarded with lower rates.
Shopping around and comparing insurers is one of the simplest ways to lower your FR-44 costs. Different companies use different pricing methods, even for similar drivers.
A DUI or DWI raises rates the most, with premiums going up by about 90%. Raising your liability limits can also increase your monthly costs by around 45%.
Having poor credit can raise your rates by about 40%. If your policy lapses, your premiums may go up by 30%. Living in certain ZIP codes can also add another 25% to your costs.
You can help lower these costs by keeping your coverage active, improving your credit, and shopping around for quotes. These steps can help you save money while still meeting the FR-44 liability requirements.
Ways to Save on FR-44 Coverage
FR-44 auto insurance usually costs more since states require higher liability limits after serious driving violations.
If you focus on the best ways to save, your required coverage can become much more affordable over time.
- Bundle Multiple Policies: If you bundle your auto with home or renters, you could save up to 25%. It’s one of the easiest ways to knock down your premium.
- Compare Quotes Every Renewal: Premiums can be all over the place, and checking quotes online from different companies at each renewal could mean a much lower bill.
- Improve Your Credit Score: Most insurers look at credit when setting prices, so improving your credit from fair to good or better could mean lower premiums.
- Join a Telematics Program: Good habits behind the wheel could get you discounts up to 30% if you track your driving with usage-based insurance.
- Maintain Continuous Coverage: Don’t let your policy lapse and pay your bills on time. You’ll dodge extra fees and keep your FR-44 status active.
By comparing insurers regularly, you can make sure you keep getting the best value and still meet all your FR-44 coverage requirements.
Using several of these strategies together usually saves you more than just relying on one discount.
Using several discounts together can help lower your FR-44 auto insurance costs, even if your monthly premium is higher because of filing requirements.
Telematics programs offer the biggest savings, up to 30%. Bundling your home and auto insurance or insuring more than one vehicle can each save you about 25%.
Top Auto Insurance Discounts for FR-44 Drivers| Discount | Eligibility | Savings |
|---|---|---|
| Accident-Free | No recent at-fault claims | 10% |
| Anti-Theft | Installed anti-theft tech | 15% |
| Auto Pay | Enroll in auto pay plan | 5% |
| Bundling | Bundle home and auto | 25% |
| Defensive Driving | Complete driving class | 10% |
| Driver Training | Finish driver training | 10% |
| Early Shopper | Quote before renewal | 8% |
| Electronic Billing | Enrollment in e-billing | 5% |
| Full Payment | Pay policy fully upfront | 10% |
| Good Student | Maintain strong grades | 15% |
| Homeowner | Own primary residence | 10% |
| Loyalty | Maintain active policy | 10% |
| Low Mileage | Drive fewer miles yearly | 15% |
| Military | Active or former military | 15% |
| Multi-Policy | Hold multiple policies | 20% |
| Multi-Vehicle | Insure two or more cars | 25% |
| Paperless | Switch to paperless | 5% |
| Safe Driver | Maintain clean record | 20% |
| Senior Driver | Driver age 55 or older | 10% |
| Telematics | Enroll in telematics | 30% |
| Vehicle Safety | Vehicle safety features | 15% |
Safe driver and multi-policy discounts can save you up to 20%. You can also get a 15% discount if you have anti-theft devices, drive fewer miles, are in the military, or qualify as a good student.
If you combine several discounts before getting quotes, you can make your FR-44 coverage more affordable without lowering the liability limits your state requires.
Important Read: Car Insurance Discounts You Can’t Miss
States That Require FR-44 or SR-22
Finding out if your state needs an FR-44 or SR-22 auto insurance filing can save you time and help you get the right insurance after a serious driving violation.
Only Florida and Virginia require FR-44 filings. Most other states use SR-22 forms for certain driving offenses.
FR-44 policies often have higher liability limits, so their monthly premiums are usually more expensive than SR-22 coverage, even if your driving record is similar.
If you move to a new state, check the filing rules right away. Requirements can change as soon as you become a resident and register your vehicle.
In Florida and Virginia, you usually need to keep FR-44 insurance for three years without any breaks. Keeping your coverage active is important to meet the state’s filing requirements.
If your coverage lapses, the three-year period may start over. Also, if you have more than one DUI or a serious conviction, you might have to keep FR-44 insurance for longer than usual.
Choose the correct filing from the beginning. As an example, an FR-44 often requires 100/300/50 liability after a DUI.
Rachel Bodine Insurance Copywriter
If you get the wrong filing, you could lose your driving privileges, have your registration canceled, or face longer compliance periods that raise your insurance costs over time.
Check your state’s requirements before getting insurance quotes. This helps you get the right filing, avoid penalties, and keep your legal driving privileges.
Find Out More:
Filing FR-44 Auto Insurance in Your State
You can get your FR-44 auto insurance simply by calling your insurer and asking them to file it on your behalf after you select a level of coverage that matches the liability limits required by your state.
Compare different providers, complete the FR-44 form, pay the required fees, and keep your coverage active in order to remain compliant.
Compare insurers with our free online tool before you file to see which company has the best rate on the higher liability limits you need. This makes the FR-44 process easier before you request your official state filing.
Make sure to keep your coverage active after you pay the filing fees. This helps you stay compliant and avoid problems with your license or registration.
Related: Full Coverage Auto Insurance
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Top FR-44 Car Insurance Providers
Market share shows which insurers file the most FR-44 policies for customers. This helps drivers compare several well-known companies before choosing coverage.
Bigger insurance companies usually offer more pricing choices, several discount programs, and are available in more states that require FR-44 filings.
Progressive has the largest share at 28%, with Geico at 22%. State Farm holds 18%, and both Allstate and National General each have 16%. Compare Now: Allstate vs. Farmers, Geico, Progressive, & State Farm Insurance Review
By comparing quotes from these top companies, drivers can find affordable monthly premiums and still meet higher state liability requirements.
#1 – Liberty Mutual: Top Pick Overall
Pros
- Flexible Coverage Choices: Drivers can choose FR-44 coverage that matches their state’s requirements. Liberty Mutual’s claims satisfaction score is 730 out of 1,000.
- Claims Satisfaction: Liberty Mutual stands out with a claims satisfaction score of 730 out of 1,000. You can find more details in the Liberty Mutual Insurance Review.
- Liability Options: Drivers can choose higher liability limits with FR-44 policies to meet stricter state financial responsibility rules. Read More: Liberty Mutual Insurance Review
Cons
- Premium Potential: Liberty Mutual’s FR-44 premiums might be higher than some competitors, even for similar liability limits.
- Discount Limitations: Some discounts might not be available to drivers who need FR-44 filings after serious violations.
#2 – Nationwide: Best for Higher Liability Options
Pros
- Expanded Liability Limits: According to our Nationwide insurance review, the company offers liability options to help drivers meet higher FR-44 coverage requirements.
- Excellent Claims Experience: Nationwide’s claims satisfaction score is 729 out of 1,000, making it one of the top providers in this comparison.
- Strong Financial Rating: Nationwide has an A+ rating from A.M. Best, which shows strong financial stability and ability to pay claims.
Cons
- Potentially Higher Premiums: Drivers who choose higher FR-44 liability limits pay more at Nationwide than with other providers.
- Digital Filing Experience: Drivers looking for easy online FR-44 filing may find better digital tools with other insurers.
#3 – State Farm: Best for Affordable Rates
Pros
- Competitive Pricing: State Farm FR-44 coverage starts at about $112 per month. If you want to save money, this is one of the better deals available.
- Strong Claims Performance: State Farm earns 716 out of 1,000 for claims satisfaction. You can rely on them when you need help.
- Financial Stability: State Farm has an A+ rating from A.M. Best. The company is reliable and will support you when you need it most. Learn More: State Farm Auto Insurance Review
Cons
- FR-44 Filing Availability: Drivers should check if State Farm offers FR-44 filing in their state. Confirm before you begin, since it doesn’t cover every area.
- Fewer Discount Highlights: FR-44 policies offer few extra discounts beyond the basics. You may not find as many savings here as with some other plans.
#4 – Mercury: Best for Bundling Discounts
Pros
- Multi-Policy Discount Opportunities: When you buy FR-44 coverage, you can often save by bundling deals, as noted in our Mercury insurance review.
- Solid Claims Support: Mercury scores 701 out of 1,000 for claims satisfaction. You can expect steady support, and it ranks fourth among these companies.
- Stable Financial Backing: Mercury has an A rating from A.M. Best for financial strength. The company is dependable and will help if problems come up.
Cons
- Lower Financial Strength: Mercury’s A rating from A.M. Best is lower than some other companies. It is still strong, but not the highest available.
- Discount Eligibility Varies: Drivers with FR-44 filings may not qualify for every discount. Your eligibility depends on your driving history and state laws.
#5 – Geico: Best for Fast FR-44 Filing
Pros
- Quick Filing Process: Geico makes online FR-44 filing a breeze, with instant proof of financial responsibility in hand once you’ve got coverage.
- Excellent Financial Stability: Geico has an A++ rating from A.M. Best, the highest possible rating. Important Info: Geico Insurance Review
- Competitive FR-44 Pricing: Minimum FR-44 coverage starts at $104 per month.
Cons
- Limited Coverage Customization: If you like lots of add-ons, you’ll probably see more choices with other FR-44 insurers.
- DUI Premium Increase: Geico’s monthly rate jumps from $55 to $104 after a DUI, an 89% increase that’s higher than Allstate and AmFam.
#6 – Allstate: Best for Full Coverage
Pros
- Broader Protection Levels: Allstate lets you pair full coverage with higher FR-44 liability limits and a long list of policy add-ons.
- Strong Financial Rating: Allstate insurance reviews show an A+ rating from A.M. Best, which means it’s in great shape to handle claims.
Cons
- Higher Full Coverage Price: Full coverage with Allstate hits $334 per month, almost twice the cost of its minimum coverage.
- DUI Rate Increase: After a DUI, Allstate’s rate jumps 82%, from $78 to $142 a month.
#7 – Travelers: Best for Industry Experience
Pros
- Higher Liability Options: With Travelers, you can pick higher liability limits if your FR-44 filing needs extra protection. See More: Travelers Insurance Review
- Superior Financial Strength: Travelers has an A++ rating from A.M. Best and more than 100 years of experience filing FR-44s for high-risk drivers.
- Competitive Minimum Premium: Travelers offers FR-44 minimum coverage at $132 per month, comparable to what other big insurers charge.
Cons
- Higher Full Coverage Cost: Travelers charges $313 per month for full coverage, a big jump from its monthly $132 minimum.
- Limited Discount Focus: Travelers may not offer as many discounts as some other FR-44 insurers, so you might miss out on a few savings.
#8 – Farmers: Best for Policy Options
Pros
- Flexible Policy Selection: Farmers lets you mix and match different types of coverage for your FR-44 policy.
- Dependable Financial Support: Our Farmers insurance review indicates it has an A rating from A.M. Best, which means it’s solid and can handle claims when you need help.
- Competitive FR-44 Premium: Farmers offers minimum FR-44 coverage at $127 per month, cheaper than a lot of the competition.
Cons
- Financial Rating Falls Short: Farmers has an A rating, while some companies have A+ or A++. It’s not quite as high, but still respectable.
- Full Coverage Price: Farmers full coverage policies are some of the priciest in this ranking at $302 per month.
#9 – Progressive: Best for High-Risk Drivers
Pros
- Experienced With FR-44 Filings: Progressive is a go-to for high-risk drivers who need proof of financial responsibility quickly.
- Excellent Financial Strength: Progressive has an A+ rating from A.M. Best. See more ratings in our guide: Progressive Insurance Review
- High-Risk Coverage Access: If you’ve got a DUI, you can get FR-44 coverage from Progressive at a competitive monthly rate
Cons
- Higher DUI Pricing: Progressive’s premium jumps 94% a month after a DUI, higher than most companies on this list.
- Expensive Full Coverage: Full coverage runs $328 per month, putting Progressive at the higher end compared to other companies in the lineup.
#10 – National General: Best for Easy Approval
Pros
- Simplified Underwriting: National General makes it easier to get approved for car insurance after a major violation with fewer steps to filing than other insurers.
- Accessible Coverage Options: Our National General insurance review explains how high-risk drivers can still get coverage here even if they have trouble qualifying with other insurers.
- Competitive Credit-Based Pricing: National General isn’t the cheapest, but it’s more affordable than many providers for drivers with poor credit scores.
Cons
- Lowest Claims Satisfaction: The satisfaction score is just 605 out of 1,000, the lowest out of all the companies on this list.
- Weakest Financial Rating: National General has an A- from A.M. Best, lower than the other companies, although still stable.
Understanding FR-44 Insurance Filings
To find the right FR-44 auto insurance, start by comparing rates, liability limits, discounts, and how well insurers perform, rather than just picking the first quote you see.
Liberty Mutual, Nationwide, and State Farm have the highest claims satisfaction scores, ranging from 716 to 730 out of 1,000. Geico has the lowest minimum premium at $104 per month.
Ask about deductibles before renewing your policy. Increasing from $500 often lowers monthly premium costs.
Michelle Robbins Licensed Insurance Agent
After a DUI, drivers can lower their costs by using discounts that add up to 30% and choosing liability limits between 100/300/50 and 250/500/100, depending on what fits their budget.
Helpful Info: High-Risk Auto Insurance
Monthly premiums can be very different. Minimum coverage costs between $104 and $142, while full coverage can go up to $337. This makes it important to compare your options.
If you compare the best FR-44 auto insurance companies before you file, you can meet state requirements, avoid extra costs, and get the best value on FR-44 filings.
Get personalized FR-44 insurance quotes by entering your ZIP code into our free quote comparison tool.
Frequently Asked Questions
What is the cheapest FR-44 insurance?
The cheapest FR-44 insurance depends on the driver’s location, age, and record, but Geico offers rates starting around $104 per month in this comparison. Comparing multiple quotes is the best way to find the lowest available premium.
Who has the cheapest FR-44 insurance in Florida?
State Farm is often among the cheapest FR-44 auto insurance companies in Florida based on industry comparisons, although actual monthly rates vary by driving history and coverage selections.
Which company offers the cheapest FR-44 car insurance in Virginia?
State Farm is often identified as one of the least expensive FR-44 car insurance companies in Virginia, with average premiums lower than many competitors.
How expensive is FR-44 insurance?
FR-44 insurance costs more because it requires higher liability limits after serious driving violations. Rates start at $104 per month, and the best insurance comparison sites can help drivers find lower premiums.
Which auto insurance is highest rated for FR-44 coverage?
No single company is the highest rated for every FR-44 driver, but Liberty Mutual, Nationwide, and State Farm rank among the top choices. Compare the best FR-44 auto insurance companies near you by entering your ZIP code into our free quote comparison tool.
Which insurance company has the fewest customer complaints for FR-44 insurance?
There is no single best company for every driver, but reviewing the NAIC Complaint Index and claims satisfaction scores helps identify insurers with stronger customer service for FR-44 insurance.
How hard is it to get FR-44 insurance after a DUI?
Most drivers can obtain FR-44 insurance after a DUI, although premiums increase because insurers classify them as higher risk. Comparing specialized insurers often improves approval chances and lowers monthly costs. Find Out More: Cheap Auto Insurance for High-Risk Drivers
I can’t afford FR-44 insurance. What are my options?
Drivers who cannot afford FR-44 insurance should compare quotes, ask about payment plans, and apply every eligible discount, such as bundling or telematics. A lapse in coverage can suspend driving privileges and restart the required filing period, so maintaining continuous coverage is essential. Compare quotes now to find affordable coverage.
Can you get FR-44 insurance without a vehicle?
Yes. Drivers who do not own a vehicle can often satisfy state requirements with a non-owner FR-44 insurance policy, which provides liability coverage and allows the insurer to file the FR-44 certificate. This type of policy does not cover damage to the vehicle being driven.
How long do I have to keep FR-44 insurance?
Most drivers must keep FR-44 insurance for at least three years, though requirements vary. Comparing auto insurance rates by state can help avoid costly coverage lapses.
How do I remove FR-44 from auto insurance?
Is a $500 or $1,000 deductible better for FR-44 insurance?
What FR-44 car insurance company should drivers stay away from?
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