FR-44 vs. SR-22 Insurance—What’s the Difference?

FR-44 and SR-22 are forms that some Florida drivers must file with the state to prove they carry minimum amounts of auto liability insurance. Not every driver must file these forms. The requirement is typically triggered when a driver is convicted of a serious moving violation or driving without the required minimum amount of liability coverage.

What Is FR-44?

The FR-44 form is typically required for drivers who have been convicted of severe offenses, such as driving under the influence (DUI) or driving while intoxicated (DWI). This type of insurance mandates higher liability limits than standard policies. The increased coverage requirements are designed to address the heightened risk associated with these serious violations.

The higher liability limits mean that FR-44-compliant insurance can be more expensive than other types of auto insurance. However, it is a crucial step for drivers looking to reinstate their driving privileges after a major traffic offense.

What Is SR-22?

The SR-22 form may be required for drivers who have committed less severe offenses, such as reckless driving or driving without insurance. It proves that the driver has met the state’s minimum insurance requirements.

While SR-22-compliant insurance is generally less expensive than FR-44-compliant insurance, it is still an important requirement for drivers who need to reinstate their driving privileges after certain violations.

Key Differences

While both FR-44 and SR-22 forms serve similar purposes, they cater to different levels of traffic offenses and have distinct coverage requirements.

Contact Baker Insurance Group Inc. if you receive notice that you must file an FR-44 or SR-22 form to comply with a judge’s or the DMV’s orders. Our team can help you shop for appropriate coverage at favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.