Florida and Virginia are the two states that replace the SR-22 with an FR-44 — and the difference is not cosmetic, because FR-44 carries much higher liability minimums.
The practical differences
| SR-22 | FR-44 | |
|---|---|---|
| States | Most states | Florida, Virginia |
| Purpose | Proof of financial responsibility | Proof after DUI/alcohol violation |
| Liability minimums | State minimum (often 25/50/25) | FL: 100/300/50 · VA: 50/100/25 |
| Filing fee | $15–$50 | $15–$50 |
| Typical term | 1–3 years | 3 years |
What the higher limits mean for cost
An FR-44 is not intrinsically costlier — but the liability limits it certifies are roughly triple a standard SR-22’s, and premiums scale with limits. Budget accordingly: Florida FR-44 quotes commonly land 40–80% above the state’s ordinary DUI baseline.
Frequently Asked Questions
Which states use FR-44 instead of SR-22?
Florida and Virginia. If you move between an SR-22 state and either of these, expect to refile under the local system rather than transfer the certificate.
Is FR-44 more expensive than SR-22?
Usually, because it certifies much higher liability limits (Florida requires 100/300/50). The filing mechanism costs the same; the coverage behind it is what you pay for.
Can I convert an SR-22 to an FR-44?
No direct conversion exists — your insurer files the FR-44 as a new certificate in FL or VA, and the two systems’ clocks run on their own state rules.
How long does an FR-44 last?
Three years in both Florida and Virginia from the filing date, assuming continuous coverage without lapses.
