Skip to main content

The Difference Between SR-22 and FR-44

Some motorists require a certificate of financial responsibility to drive. There are two types of forms available. You might need an SR-22 insurance or an FR-44 form. Auto insurance companies provide these certificates to verify that motorists have liability coverage. Learn more about these forms.

What Is an SR-22?

An SR-22 is a type of certificate that verifies a driver has the minimum liability insurance required by their state. This document is often required for individuals who have been convicted of certain driving violations, such as driving under the influence (DUI) or driving without insurance. The SR-22 is filed by the insurance company with the state’s Department of Motor Vehicles (DMV), and it is usually required for a specific amount of time, depending on the severity of the offense. The certificate is not actually an insurance policy, but rather a proof of insurance that provides the DMV with assurance that the driver has obtained the required insurance coverage.

It’s important to note that an SR-22 is not required for every driver, but only for those who have been deemed high-risk by the state. The certificate is often associated with increased insurance premiums due to the higher risk associated with the driver’s past driving behavior. However, having an SR-22 can allow drivers to maintain their driving privileges and avoid more severe penalties, such as having their license suspended or revoked.

Do I Need an SR-22?

States have individual requirements regarding SR-22 documents. However, states that have SR-22 guidelines typically require forms to be filed when drivers have been convicted of DWIs or DUIs, had their licenses suspended, or failed to maintain coverage in the past. Convictions for serious driving violations can also cause drivers to need an SR-22.

While most states have SR-22 requirements, you do not need one if you live in:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

The laws are subject to change, though. While these states do not require an SR-22 at the time of this writing, it is wise to check state laws to ensure that you do not need a certificate.

Who needs an SR-22

An SR-22 is a certificate of financial responsibility that is required in some states in the United States. This certificate is typically required for individuals who have been convicted of a DUI/DWI or other serious driving offenses, such as reckless driving or driving without insurance. In essence, an SR-22 serves as proof that a driver has obtained the minimum amount of liability insurance coverage required by the state.

In addition to drivers with a history of serious driving offenses, individuals who have had their license suspended or revoked may also be required to obtain an SR-22. The exact requirements for obtaining an SR-22 vary by state, but typically involve contacting an insurance provider and requesting that they file the certificate on the individual’s behalf. While an SR-22 may be seen as a burden by some, it is an important tool for ensuring that drivers who have had serious driving infractions maintain adequate insurance coverage to protect themselves and others on the road.

Benefits and drawbacks of SR-22 insurance

SR-22 insurance is a type of insurance policy that is required for individuals who have been convicted of certain types of driving offenses, such as driving under the influence (DUI) or driving without insurance. The purpose of an SR-22 policy is to provide proof of financial responsibility to the state and ensure that the individual has liability coverage in case of an accident. One of the main benefits of SR-22 insurance is that it allows individuals to maintain their driving privileges, even after a serious driving offense. Without an SR-22 policy, individuals may have their driver’s license suspended or revoked, which can make it difficult to maintain employment or perform other essential activities. Additionally, an SR-22 policy can be a good option for individuals who have a poor driving record, as it can help them improve their driving habits and avoid future legal issues.

What Is an FR-44?

Virginia and Florida are the only states that require some motorists to file an FR-44. While an SR-22 shows that motorists have at least the minimum insurance coverage, an FR-44 verifies that motorists have more than the minimum coverage. FR-44 certificates are used for the most serious motor vehicle violations. These motorists must have coverage above the state’s minimum limits to restore their drivers’ licenses.

Residents are required to submit an FR-44 if they have been convicted of:

  • Driving under the influence
  • Maiming someone while under the influence
  • Driving with a forfeited license
  • Violating any federal, state, or local law that is similar to the violations as mentioned earlier

Filing an FR-44 is a necessary step in reinstating the driver’s license. Drivers typically need to have an FR-44 for three years. If their insurance lapses during that time, the FR-44 is no longer valid, and the driver cannot operate a motor vehicle.

Benefits and Drawbacks of FR-44

FR-44 is a type of insurance that is required in certain states for individuals who have been convicted of a DUI or DWI offense. This insurance policy provides higher liability limits compared to the standard insurance policy, ensuring that the policyholder is able to cover the costs of any damages caused in an accident. The primary benefit of FR-44 is that it enables the driver to meet legal requirements, allowing them to get back on the road after a DUI or DWI conviction.

Additionally, FR-44 policies can provide coverage for a longer period of time compared to the standard policy, providing the policyholder with more protection against any future accidents.
However, there are also some drawbacks to FR-44 insurance. One of the main disadvantages is that it can be more expensive than a standard insurance policy due to the increased liability limits. This can make it difficult for individuals with a DUI or DWI conviction to afford the necessary insurance coverage. Another drawback is that some insurance companies may not offer FR-44 policies, limiting the policyholder’s options and potentially leading to higher premiums. Despite these drawbacks, FR-44 insurance can provide necessary coverage for individuals who have been convicted of a DUI or DWI, enabling them to get back on the road and move forward with their lives.

How Much Is SR-22 and FR-44 Insurance?

States charge a filing fee when submitting an SR-22 or FR-44. The filing fee is generally $25 but could be more or less depending on your state of residence. The filing fee is a one-time charge, meaning you won’t pay again, even if you need the certificate for several years. However, you will have to pay the filing fee a second time if you allow your coverage to lapse.

The filing fee is just one cost associated with a certificate of financial responsibility. If you need one of these forms, you are a high-risk driver. Your insurance costs will likely be higher due to the risk. That means you will probably pay more for basic coverage than another driver would.

How to Get an SR-22 or an FR-44

If you’re looking to obtain an SR-22 or FR-44 insurance certificate, the first step is to find an insurance provider that offers this type of coverage. Freeway Insurance is a popular option that provides these certificates, which are typically required for drivers who have been convicted of certain driving violations, such as driving under the influence (DUI) or driving without insurance. To obtain an SR-22 or FR-44 through Freeway Insurance, you’ll need to provide some basic information about your driving history and the violation that led to the requirement for the certificate.

Once you’ve chosen Freeway Insurance as your provider, you’ll need to pay the required fees and provide any additional information that’s requested. This may include proof of insurance coverage, proof of financial responsibility, and documentation of your driving record. Once your information has been processed and your certificate has been issued, you’ll need to keep it on file and make sure your insurance coverage remains current. With the help of Freeway Insurance, getting an SR-22 or FR-44 can be a simple and straightforward process, allowing you to meet the legal requirements and get back on the road.

Freeway Insurance Can Help you in case you are looking for FR-44 and SR-22 Insurance Quotes

If you are seeking cost-effective solutions for obtaining an FR-44 or SR-22, we understand that it is a matter of concern for you. At Freeway Insurance, we conduct thorough comparisons of quotes from various insurance companies to find the best deal for you, while ensuring that your coverage requirements are met. We understand that you may be categorized as a high-risk driver, but rest assured, we can help you secure the auto insurance and financial responsibility certification without breaking the bank.

For further information and guidance on meeting the filing requirements for your specific state, we recommend speaking with one of our licensed insurance agents. By calling (800) 777-5620, you will be connected to an agent who will provide you with detailed information and assistance in finding the right coverage for your needs. We are committed to helping you navigate the complexities of obtaining an FR-44 or SR-22 certification, and ensuring that you receive the best possible value for your investment in auto insurance.

Ready to Get a Quick Quote?