Best FR-44 Auto Insurance: Top Companies & Coverage (2026)
Liberty Mutual, Nationwide, and State Farm have the best FR-44 auto insurance, starting at just $52 per month. FR-44 drivers can consider Progressive for DUI coverage and Snapshot savings, while Travelers offers accident and violation forgiveness through its Responsible Driver Plan.
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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 Satisfaction | A.M. Best | Best for |
|---|---|---|---|---|
 | #1 | 730 / 1,000 | A | Flexible Policy |
 | #2 | 729 / 1,000 | A+ | Liability Options |
 | #3 | 716 / 1,000 | A+ | Balanced Value |
 | #4 | 701 / 1,000 | A | Bundling |
 | #5 | 697 / 1,000 | A++ | Cheap Rates |
 | #6 | 693 / 1,000 | A+ | Full Coverage |
 | #7 | 691 / 1,000 | A++ | Strong Finances |
 | #8 | 690 / 1,000 | A | Policy Options |
 | #9 | 673 / 1,000 | A+ | High-Risk Driver |
 | #10 | 605 / 1,000 | A- | FR-44 Options |
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 companies.
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% |
Monthly premiums go up to $98 with Auto-Owners, $104 with Geico, and $112 with State Farm following a DUI and a drop in credit from excellent to fair. Read More: Cheap Auto Insurance After a DUI
Premiums increase by 94% with Progressive and National General and by 82% with Allstate because both a DUI and a lower credit rating are taken into account.
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.
Credit scores have a big impact on FR-44 monthly rates. For example, Geico charges $104 per month for excellent credit and $236 for poor credit.
FR-44 Auto Insurance Monthly Rates by Credit Score| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $142 | $195 | $259 | $308 |
| $127 | $168 | $218 | $257 |
| $104 | $146 | $197 | $236 |
| $141 | $187 | $242 | $285 |
| $134 | $178 | $233 | $270 |
| $136 | $178 | $231 | $272 |
| $121 | $170 | $229 | $274 |
| $138 | $196 | $268 | $323 |
| $112 | $158 | $213 | $256 |
| $132 | $185 | $249 | $298 |
Progressive’s rates show an even bigger difference, with $138 per month for excellent credit and $323 for poor credit.
With poor credit, Liberty Mutual and Progressive both charge $166 per month, while Nationwide is lower at $145 monthly.
Lower credit doesn’t eliminate savings opportunities. For instance, paying a 6-month policy upfront can reduce finance charges.
Brandon Frady Licensed Insurance Agent
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 liability limits you choose affect your premium and protection, but they must at least meet your state’s FR-44 requirements.
Basic coverage usually costs between $104 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 Monthly Insurance Premiums by Liability Limits| Coverage Level | Premium | Liability Limits |
|---|---|---|
| Minimum | $104–$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.
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 140%.
Having poor credit can raise your rates by about 127%. If your policy lapses, your premiums may go up by 30%. Living in certain ZIP codes can also add another 30% to your costs.
You can help lower these costs by keeping your coverage active, improving your credit, and shopping around for quotes.
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 combine your auto insurance with home or renters insurance, you could save up to 25%.
- Compare Quotes Every Renewal: FR-44 rates are different with each insurer, so it’s a good idea to compare quotes every time you renew.
- Improve Your Credit Score: In some places, insurers look at your credit when setting rates. If you work on improving your credit, you might be able to lower your premiums.
- Join a Telematics Program: If you drive safely, you could get discounts of up to 30% through usage-based insurance programs that track your driving habits.
- Maintain Continuous Coverage: Make sure your coverage stays active and pay your premiums on time. This helps you avoid a lapse that could affect your FR-44 compliance.
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 Insurance
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
Get a qualifying auto insurance policy, then ask the insurer to prepare and submit the FR-44 certificate to the state.
Keep your insurance coverage active at all times. Your insurance company will send the required proof of financial responsibility.
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
The pie chart shows the market share of the five insurers mentioned. It provides information about the companies’ sizes, whereas the rankings that follow concern FR-44 coverage, rates, and driver benefits.
Larger companies may have broader pricing and discount options. Whether or not providers offer FR-44 filings in Florida, Virginia, or both depends on availability.
Progressive has the largest market share among the five biggest FR-44 insurers at 28%, Geico comes next at 22%percent, and State Farm at 18%. 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.
- Claims Satisfaction: Liberty Mutual stands out with a claims satisfaction score of 730 out of 1K.
- 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 1K, making it one of the top providers in this comparison.
- Near-Top Claims Score: Nationwide has an A+ rating from A.M. Best, which shows strong financial stability and ability to pay claims.
Cons
- Higher Limits Cost More: 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 Balanced Value
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 1K for claims satisfaction.
- Rate and Claims Balance: State Farm has an A+ rating from A.M. Best. Learn More: State Farm Auto Insurance Review
Cons
- FR-44 Filing Availability: Confirm State Farm offers FR-44 filing where you need it before purchasing coverage.
- Limited Extra Savings: 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 1K for claims satisfaction. It ranks fourth among these companies.
- Bundling Potential: Mercury has an A rating from A.M. Best for financial strength.
Cons
- Higher Minimum Rate: 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 Cheap Rates
Pros
- Lowest Minimum Rate: After you purchase the insurance, Geico can provide the required FR-44 certificate.
- Top Financial Rating: Geico has an A++ rating from A.M. Best, the highest possible rating. Important Info: Geico Insurance Review
- Lower Poor-Credit Rate: Minimum Geico 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.
- Full Coverage Availability: Allstate insurance reviews show an A+ rating from A.M. Best, which means it’s in great shape to handle claims.
- Large Coverage Price Gap: Allstate offers minimum FR-44 coverage at $142 per month, which is $192 less monthly than its full coverage rate.
Cons
- Higher Full Coverage Price: Full coverage with Allstate hits $334 per month, more than 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 Strong Finances
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
- Top-Tier Financial Rating: Travelers has an A++ A.M. Best rating, providing strong financial backing for drivers carrying FR-44 coverage.
- Midrange Minimum Rate: 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.
- Coverage Flexibility: Our Farmers insurance review indicates it has an A rating from A.M. Best.
- Lower Minimum Rate: Farmers offers minimum FR-44 coverage at $127 per month, cheaper than a lot of the competition.
Cons
- Full Coverage Increase: 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 cost $302 per month, compared with $127 per month for minimum coverage.
#9 – Progressive: Best for High-Risk Driver
Pros
- Post-DUI Coverage: Progressive offers FR-44 coverage for drivers after serious violations, with rates listed at $138 per month after a DUI.
- High-Risk Driver Focus: Progressive has an A+ rating from A.M. Best. See more ratings in our guide: Progressive Insurance Review
- Post-DUI Rate: 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 FR-44 Options
Pros
- Higher-Risk Coverage Options: National General offers accessible coverage for higher-risk drivers and has an A- A.M. Best rating
- FR-44 Availability: Our National General insurance review explains how high-risk drivers can still get coverage here even if they have trouble qualifying with other insurers.
- Poor-Credit Comparison: National General isn’t the cheapest, but it’s more affordable for drivers with poor credit scores.
Cons
- Lowest Claims Satisfaction: The satisfaction score is just 605 out of 1K, the lowest out of all the companies on this list.
- Lower Financial Rating: National General has an A- from A.M. Best, lower than the other companies, although still stable.
Choosing the Best FR-44 Insurance
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 1K. 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
Following a DUI, drivers may reduce their FR-44 premiums by taking advantage of individual discounts, which can give savings of up to 30%, and by selecting liability limits between 100/300/50 and 250/500/100 depending on 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.
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 FR-44 insurance?
FR-44 insurance refers to an auto insurance policy paired with an FR-44 filing that verifies a driver carries state-required liability coverage after certain serious violations, typically DUI-related offenses in Florida or Virginia.
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?
What is the cheapest FR-44 insurance in Florida? The supplied comparison does not establish which insurer has the cheapest FR-44 auto insurance specifically in Florida. Rates vary by driver profile, coverage level, and insurer, so Florida drivers should compare quotes from multiple companies.
How to get FR-44 insurance in Florida?
To get FR-44 insurance in Florida, purchase qualifying coverage and have the insurer file the FR-44 with the state. Florida requires $100K/$300K bodily injury and $50K property damage liability limits for affected DUI drivers, generally maintained for at least three years.
Which company offers the cheapest non-owner FR-44 insurance in Florida?
No single insurer is consistently cheapest for non-owner FR-44 insurance in Florida. Rates depend on the driver and insurer, so you need to compare non-owner quotes to find the lowest monthly rate. Compare the best FR-44 auto insurance companies in Florida by entering your ZIP code into our free quote comparison tool.
What is the difference between the FR-44 and SR-22 forms in Florida?
Both forms verify financial responsibility, but Florida uses FR-44 for qualifying DUI cases and requires higher $100/$300/$50 liability limits. SR-22 auto insurance applies to other qualifying financial-responsibility situations and does not carry the FR-44’s higher DUI liability requirements.
What is the cheapest SR-22 and FR-44 insurance in Florida?
What is the best cheap SR-22 and FR-44 insurance in Florida? The cheapest SR-22 and FR-44 insurance in Florida varies by driver and insurer, so comparing quotes is essential.
How much is insurance after a DUI in Florida?
The supplied comparison does not establish an average Florida-specific rate after a DUI. FR-44 premiums vary based on the insurer, driving record, age, location, vehicle, and selected coverage.
How does FR-44 insurance work after a DUI in Florida?
FR-44 insurance after a DUI in Florida provides the required auto coverage for drivers subject to higher financial responsibility requirements. The insurer files the FR-44 certificate with the state to verify qualifying coverage. Read More: Best Auto Insurance for Young Adults
How long is FR-44 insurance required in Virginia?
FR-44 insurance is generally required for three years in Virginia when proof of financial responsibility applies after a qualifying conviction. Canceling coverage during the required period can result in suspension or revocation until you file current proof. Find FR-44 car insurance companies worth comparing by entering your ZIP code into our free quote comparison tool.
Which company offers the cheapest FR-44 car insurance in Virginia?
What are the coverage requirements for an FR-44 in Virginia?
How hard is it to get FR-44 insurance after a DUI?
Which insurance company has the fewest customer complaints for FR-44 insurance?
Which auto insurance is highest rated for FR-44 coverage?
What FR-44 car insurance company should drivers stay away from?
Which FR-44 insurer has the highest claims satisfaction score?
Which insurance denies the most claims for FR-44 coverage?
How expensive is FR-44 insurance?
Who is cheaper, Geico or Progressive for FR-44 insurance?
I can’t afford FR-44 insurance. What are my options?
How long do I have to keep FR-44 insurance?
Can you get FR-44 insurance without a vehicle?
How do I remove FR-44 from auto insurance?
What is a good deductible to have on FR-44 car insurance?
Is a $500 or $1K deductible better for FR-44 insurance?
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