FR-44 Insurance in Rio Linda, CA
An FR-44 is a form that your insurance company can file with an applicable state on your behalf after a serious driving conviction. It certifies that you carry at least the state-required minimum liability coverage for FR-44 drivers, which can run significantly higher than standard state minimums.
Florida and Virginia are the only two states that use the FR-44 designation, under which drivers may need to file one after specific violations, such as a DUI conviction. California uses form SR-22, which is functionally similar.
Who Needs an FR-44 Filing?
Drivers may need an FR-44 if they have:
- A DUI or DWI conviction
- A license suspension related to an alcohol-related offense
- A court or DMV order requiring proof of coverage at elevated limits
What Are the Steps to Get an FR-44?
If you live in a state that uses an FR-44, the following are general steps to take:
- Purchase an auto insurance policy that meets or exceeds FR-44 coverage requirements.
- Ask your insurer to file the FR-44 form with the state.
- Keep the policy active for the full required period, generally three years, though this can vary depending on your case and state.
- Monitor your filing status to avoid a lapse, which can reset your compliance timeline.
How Much Does It Cost?
The filing fee for an FR-44 is often low, though costs vary by insurer. However, your overall premium can increase because the required liability limits exceed standard minimums. Premium factors include your driving history, the carrier and your coverage level.
Learn More
Contact WA Insurance Services to learn more about the filing process.