What is the difference between an SR22 and an FR44?
Both are Certificates of Financial Responsibility filed with the state. The key difference is coverage limits: an SR22 requires your state's standard minimum liability coverage, while an FR44 requires much higher limits. FR44 is only used in Florida and Virginia, specifically after DUI convictions.
Side-by-Side Comparison
- SR22 — Used in most states. Requires state minimum liability coverage. Triggered by DUI, driving without insurance, excessive points, or suspended license.
- FR44 — Used only in Florida and Virginia. Requires enhanced liability coverage ($100,000/$300,000/$50,000 in FL). Triggered specifically by DUI convictions.
Coverage Limits
The practical difference comes down to how much coverage you must carry. Florida's standard minimums are $25,000/$50,000/$10,000. An FR44 requires $100,000/$300,000/$50,000 — roughly four times the standard limits. This is why FR44 insurance costs more than standard SR22.
Which Do You Need?
If your DUI was in Florida or Virginia, you need FR44. If your DUI was in any other state, or if your filing requirement is for a non-DUI violation (driving without insurance, suspended license, etc.) in any state, you need SR22. In Florida specifically, non-DUI violations require SR22 while DUI violations require FR44.
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