FR-44 Insurance
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FR-44 Insurance
Includes:
- Higher liability coverage
- DMV filing assistance
- Flexible payment options
FR-44 Insurance – High-Risk Coverage Made Simple with Gravity Insurance
If you’ve been convicted of a serious driving offense, such as DUI or reckless driving, you may be required to file an FR-44 to reinstate your driving privileges. At Gravity Insurance, we specialize in affordable FR-44 insurance, helping you meet state requirements and get back on the road quickly.
What is FR-44 Insurance?
An FR-44 is not an insurance policy—it’s a certificate required by the state to prove that you carry higher-than-minimum liability insurance coverage. It is typically mandated for serious violations, including:
DUI or DWI convictions
Reckless driving offenses
Driving with a suspended or revoked license
Causing an accident while uninsured
FR-44 insurance is only required in a few states, such as Florida and Virginia, and it mandates higher liability limits than standard SR-22 insurance.
FR-44 vs. SR-22: What’s the Difference?
| Feature | FR-44 Insurance | SR-22 Insurance |
| Required for | Serious offenses (DUI, reckless driving) | Lesser offenses (no insurance, multiple tickets) |
| Liability Limits | Higher than state minimum | State minimum |
| States Available | Florida & Virginia | Most states |
Since FR-44 requires higher liability coverage, the cost of insurance is usually higher than an SR-22 policy.
How Much Does FR-44 Insurance Cost?
The FR-44 filing fee is typically between $15 and $50, but the biggest expense comes from higher insurance premiums. Factors that influence your rate include:
Your driving record
Severity of the violation
Your location (Virginia or Florida)
Insurance provider
At Gravity Insurance, we work with top-rated insurers to find you the most affordable FR-44 policy possible.
How Long Do I Need an FR-44?
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The typical FR-44 requirement lasts for three years, but this may vary depending on the severity of the offense and state laws. Maintaining continuous coverage is crucial—if your policy lapses, your license may be suspended again.
What If I Don’t Own a Car? (Non-Owner FR-44 Insurance)
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If you don’t own a vehicle but still need to file an FR-44, you can get non-owner FR-44 insurance. This type of policy provides liability coverage when driving a borrowed or rented car. It’s a great option for drivers who want to meet legal requirements without insuring a specific vehicle.
How to Get FR-44 Insurance with Gratify Insurance
Getting FR-44 insurance is simple with Gratify Insurance! Just follow these steps:
Get a Free Quote – Call us or request an online quote.
Choose a Policy – We’ll find you the best FR-44 insurance at the lowest rate.
We File Your FR-44 – We submit the FR-44 form directly to the state.
Stay Covered & Drive – Once accepted, you’re legally insured!
Why Choose Gratify Insurance?
Fast FR-44 Filing – We handle the paperwork so you don’t have to.
Affordable Rates – We compare top insurers to find the best price.
No-Hassle Process – Quick online and phone applications.
Get Your FR-44 Insurance Today!
An FR-44 requirement doesn’t have to be overwhelming. At Gravity Insurance, we make the process easy and affordable.