Question 1

Is FR-44 the same as car insurance?

Accepted Answer

No. FR-44 is a certificate that proves your car insurance meets Florida's higher liability limits after a DUI. You still buy and pay for a normal auto policy; the FR-44 is filed on top of it.

Question 2

Does FR-44 exist outside Florida?

Accepted Answer

The FR-44 is a Florida financial-responsibility filing tied to how the state handles DUI convictions. If you move, the way your new state tracks the requirement can differ, so confirm the details before you relocate.

Question 3

Do I need an FR-44 if I do not own a car?

Accepted Answer

Yes, the requirement follows the driver, not the vehicle. Drivers without a registered car usually satisfy it with a non-owner FR-44 policy, which is often the least expensive way to comply.

Question 4

Who sends the FR-44 to the state?

Accepted Answer

Your insurance company files it electronically with the Florida FLHSMV. You do not submit the certificate yourself; you just buy the qualifying policy and request the filing.

Question 5

What is the difference between FR-44 and SR-22?

Accepted Answer

An SR-22 covers lesser violations at lower liability limits. An FR-44 is triggered by a DUI and requires 100/300/50 liability, with bodily-injury limits double those of an SR-22.

Question 6

What happens if my FR-44 policy lapses?

Accepted Answer

A lapse is reported to the state and can restart your requirement, sometimes affecting your license again. Keeping the policy continuous for the full period is the key to finishing on schedule.

What Is FR-44 Insurance? A Florida Driver’s Guide