Does an FR44 replace my existing automobile insurance?
No. Like an SR22, an FR44 is a certificate that accompanies your auto insurance policy — it does not replace it. However, FR44 requires higher coverage limits than standard insurance, so your policy must be upgraded to meet those limits.
Higher Limits Required
The FR44 doesn't replace your insurance, but it does require your policy to carry higher liability limits than standard coverage. In Florida, FR44 mandates:
- $100,000 per person bodily injury
- $300,000 per accident bodily injury
- $50,000 property damage
If your existing policy doesn't meet these limits, it must be upgraded — or you'll need to switch to a policy that does.
In Practice
Most drivers getting an FR44 end up with a new policy from a specialized high-risk carrier. Standard carriers often don't write FR44 filings, and even those that do may charge significantly more than carriers that specialize in this market.
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