Most states require drivers to submit proof of financial responsibility with an <\/span>SR-22<\/span><\/a> form after a major driving incident, such as a DUI or repeated reckless driving episodes. Only Florida and Virginia require drivers who receive a DUI or suspended license charge to submit a different type of proof known as an FR-44.<\/span>\u00a0<\/span><\/p>\n
The main differences include:<\/span>\u00a0<\/span><\/p>\n
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- FR-44s tend to appear when drivers have faced a DUI violation, whereas the SR-22 can have less severe reasons.<\/span>\u00a0<\/span><\/li>\n
- Only Florida and Virginia require drivers with DUI violations to submit an FR-44.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
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- The FR-44 can have higher minimum coverage requirements.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
Their similarities include:<\/span>\u00a0<\/span><\/p>\n
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- Both can span several years. Drivers must hold a valid insurance policy for the entire period, even if they no longer drive or move to a different state.<\/span>\u00a0<\/span><\/li>\n
- Making mistakes<\/span><\/a> can result in your filing period receiving an extension.<\/span>\u00a0<\/span><\/li>\n
- Both types of filing requirements will usually cause insurers to increase your premiums to account for the additional risk they take when insuring you.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
Which States Do Not Require an SR-22 or FR-44?<\/span><\/b>\u00a0<\/span><\/p>\n
Almost every state in the United States requires high-risk drivers to submit proof of minimum auto insurance. The following 12 states do not require either filing:<\/span>\u00a0<\/span><\/p>\n
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- Delaware<\/span>\u00a0<\/span><\/li>\n
- Kentucky<\/span>\u00a0<\/span><\/li>\n
- Maryland<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
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- Minnesota<\/span>\u00a0<\/span><\/li>\n
- New Jersey<\/span>\u00a0<\/span><\/li>\n
- New Mexico<\/span>\u00a0<\/span><\/li>\n
- New York<\/span>\u00a0<\/span><\/li>\n
- North Carolina<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
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- Oklahoma<\/span>\u00a0<\/span><\/li>\n
- Pennsylvania<\/span>\u00a0<\/span><\/li>\n
- Rhode Island<\/span>\u00a0<\/span><\/li>\n
- West Virginia<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
Which States Require an FR-44?<\/span><\/b>\u00a0<\/span><\/p>\n
Only two states, Florida and Virginia, have an <\/span>FR-44 requirement<\/span><\/a> for drivers who have received a DUI or drug-related motor vehicle violation. These states believe that drivers who have incurred such a violation have higher risk than drivers who have received lesser violations.<\/span>\u00a0<\/span><\/p>\n
What Insurance Minimum Does Florida Require for an FR-44?<\/span><\/b>\u00a0<\/span><\/p>\n
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- Excessive license points.<\/span>\u00a0<\/span><\/li>\n
- Reckless driving.<\/span>\u00a0<\/span><\/li>\n
- Driving without adequate liability insurance.<\/span>\u00a0<\/span><\/li>\n
- Child support nonpayment license suspension.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
The FR-44 form is used for DUIs. Both forms cost about $25 to file, but the major cost increase will come from the higher premiums you will likely pay.<\/span>\u00a0<\/span><\/p>\n
According to the Florida Highway Safety and Motor Vehicles Department, drivers who are convicted of a DUI must obtain proof that they have at least $100,000\/$300,000 of bodily injury liability insurance coverage. Additionally, drivers must have at least $50,000 of property damage liability coverage or combined single limits of $350,000.<\/span>\u00a0<\/span><\/p>\n
Usually, drivers must submit proof of coverage for 3 years from the date on which their license was reinstated by FHSMV. If you have been convicted of a DUI in Florida, you may also have ignition interlock device requirements.<\/span>\u00a0<\/span><\/p>\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\n\n
- The FR-44 can have higher minimum coverage requirements.<\/span>\u00a0<\/span><\/li>\n<\/ul>\n
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