FR-44 filings
Like an SR-22, but with higher limits attached.
An FR-44 is a certificate of financial responsibility your insurer files with the state. It works like an SR-22 with one significant difference: it requires liability limits above the state's ordinary minimum.
Only some states use it, and it's typically tied to alcohol-related offences.
The difference that costs money
An SR-22 certifies you carry at least the state minimum. An FR-44 certifies you carry more than the minimum — the specific figures are set by the state requiring it.
That's why an FR-44 usually costs more than an SR-22 even before the underlying violation is priced in: you are being required to buy more coverage, not just to file a form.
What to confirm with your state
Because the required limits are state-set and the trigger conditions vary, the authority here is your state's motor vehicle agency rather than any national summary.
- The exact liability limits your filing requires
- How long the requirement runs
- Whether any reinstatement fee applies
- Whether a non-owner policy can satisfy it if you don't own a vehicle
Keep the policy in force
As with an SR-22, your insurer notifies the state if coverage lapses, and the consequences commonly include a renewed suspension and a restarted filing period. Continuous payment matters more than usual.
The one upside
You'll be carrying higher liability limits than you otherwise might have. That's a real protection for your assets, and when the filing period ends it's worth thinking hard before dropping back down to the minimum.
Common questions
Only some do, and the requirements differ where they apply. Your state's motor vehicle agency is the authority on whether it applies to you and what limits are required.
Usually once the requirement ends, though it's worth asking whether you should. You'll have been carrying higher limits for the period, which is genuinely better asset protection.
No. Carriers differ in whether they make these filings at all, so ask before comparing quotes.
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This page is general information, not advice about your specific circumstances. A licensed insurance professional can tell you what’s actually available to you.
General information only, not insurance advice. Coverage, availability, and terms vary by insurer and by state, and are subject to underwriting. Quote My Policy LLC is a licensed insurance producer. Nothing here binds coverage.