Cheap FR-44 Insurance
Prices reviewed 2026-11-13
Bottom line: The FR-44 requires much higher liability limits, 100/300/50 in Florida and 100/200/50 in Virginia, so it costs more than an SR-22. Comparing carriers and choosing liability-only on an older car are the main ways to save.
After a DUI, Florida and Virginia require an FR-44 instead of an SR-22. It works the same way, but the higher limits make it pricier.
| State | FR-44 limits | Typical length |
|---|---|---|
| Florida | 100/300/50 | 3 years |
| Virginia | 100/200/50 (double the 50/100/25 minimum) | 3 years |
Cost and payment rules
FR-44 policies often run several hundred dollars a year more than an SR-22 for the same driver. Florida FR-44 policies frequently must be paid in full for the first term, so budget for a larger up-front payment.
Ways to save on an FR-44
- Get quotes from carriers that specialize in FR-44 filings.
- Choose liability-only if your car is older and paid off.
- If you don't own a car, a non-owner FR-44 is the cheapest option.
- Requote at each renewal as the DUI ages.
See the details for Florida and Virginia.
Is FR-44 more expensive than SR-22?
Yes, because the required liability limits are several times higher.