FR-44 vs. SR-22 Insurance: Key Differences in Florida and Virginia
Detailed comparison of FR-44 vs SR-22 certificates in Florida and Virginia. Requirements, elevated liability limits (100/300/50), and upfront payment rules.
The Critical Differences Between SR-22 and FR-44
While both SR-22 and FR-44 certificates function as state-mandated proofs of financial responsibility, the FR-44 was specifically created by legislatures in Florida and Virginia to impose far stricter economic accountability on impaired drivers.
Under Florida state law (F.S. 324.023), any driver convicted of DUI on or after October 1, 2007, must carry minimum bodily injury liability limits of $100,000 per person, $300,000 per accident, and $50,000 property damage (100/300/50). In Virginia, statutory limits for an FR-44 are double standard minimums at $60,000 per person, $120,000 per accident, and $40,000 property damage (60/120/40).
Frequently Asked Questions
The PolicyVaulted Research Team
The PolicyVaulted Research Team audits rate filings across 50 state insurance departments and specializes in non-standard driver risk classifications, statutory lookback mandates, and DMV clearance protocols.