How it works
An FR-44 works much like an SR-22, but the required limits are higher:
- Florida: after a DUI conviction, you must carry at least $100,000 per person and $300,000 per crash for bodily injury, plus $50,000 for property damage, for at least 3 years.
- Virginia: FR-44 limits are double the SR-22 limits: $100,000 per person, $200,000 per accident and $50,000 for property damage. It applies after convictions such as DUI and maiming while under the influence.
Your insurer, not you, files the certificate with the state. Keep the policy in force for the whole required period, because letting it lapse can put your license at risk. If you move out of state while the requirement applies, ask the state that required the filing how to keep it in place.
Related terms
Sources
- Florida Statutes, Section 324.023 who must carry FR-44 limits, the amounts and the minimum period
- Virginia DMV, Insurance certifications FR-44 limits double the SR-22 limits, qualifying convictions, electronic filing by insurers
- Code of Virginia section 46.2-316, Proof of financial responsibility after certain convictions as of October 28, 2026
Last reviewed by the StateCover Guide editorial team. See our editorial policy. Spotted an error? Tell us.