FR-44: the DUI version of the SR-22

Florida and Virginia use a separate filing after a DUI, the FR-44. It works like an SR-22, since your insurer files it with the state to prove coverage, but it requires much higher liability limits.

FR-44 vs. SR-22 at a glance

Both forms prove you carry liability insurance, and in both states you keep the filing for 3 years. The difference is how much coverage it has to prove.

Sources: [1][2][3][4][5][6][7]

Florida's FR-44

You need an FR-44 if you were convicted of DUI after October 1, 2007 and didn't have 100/300/50 coverage at the time of the offense. It requires $100,000 bodily injury per person, $300,000 per crash, and $50,000 property damage, or a $350,000 combined single limit. FLHSMV says to keep it for 3 years from the date your license is reinstated.

The policy behind it must be written for at least 6 months, and the insurer can cancel it only in limited cases. After a DUI suspension, you must also keep liability coverage on every vehicle registered in your name for 3 years. If you didn't have the higher limits at the time of the offense, you owe an extra financial responsibility reinstatement fee of $150, $250, or $500. [1][2][3][8][9][10]

Virginia's FR-44

Virginia requires an FR-44 after DUI-related convictions, including maiming while DUI and driving while your license is forfeited for DUI. State law sets its limits at double the SR-22 minimums, which makes them 100/200/50 for policies effective on or after January 1, 2025. DMV says the double-limits rule applies to people convicted on or after January 1, 2008.

You keep it for 3 years. DMV counts from the end of your suspension or revocation, and the statute says 3 years after you otherwise become entitled to a license. DMV's printed reinstatement guide still lists older, lower limits, so go by the current law and confirm with your insurer. [4][5][6][7]

Georgia: higher limits after a DUI

Georgia doesn't use the FR-44 name; it uses the regular SR-22. But its Department of Driver Services DUI reinstatement rule requires higher limits after a DUI: 50/100/50 after a first DUI conviction and 100/300/100 after a second or later one. Confirm the limits that apply to your conviction with DDS. [11][12]

If your FR-44 is cancelled

Your insurer reports it to the state. In Florida that's on an FR-46, and Florida law then requires you to return your license and registrations until you file new proof. In Virginia, DMV suspends or revokes your driving privilege until you provide a current SR-22 or FR-44. [1][4][13]

Sources

1. FLHSMV - Procedures Manual for Implementation of the Florida Motor Vehicle No-Fault Law and Financial Responsibility Law: Daily Requirements (eff. Feb 25, 2013) (Florida, accessed Oct 5, 2026)
2. Fla. Stat. 324.021 - Definitions; minimum insurance required (Florida, accessed Oct 5, 2026)
3. FLHSMV - DUI Frequently Asked Questions (Florida, accessed Oct 5, 2026)
4. Virginia DMV - A Guide to Reinstating Your Virginia Driving Privilege (DMV 292, rev. 07/01/2026) (Virginia, accessed Oct 5, 2026)
5. Code of Virginia 46.2-472 - Requirements of motor vehicle liability insurance policy (minimum limits) (Virginia, accessed Oct 5, 2026)
6. Code of Virginia 46.2-316 - Proof of financial responsibility (DUI double limits) (Virginia, accessed Oct 5, 2026)
7. Virginia DMV - Financial Responsibility Certifications (Virginia, accessed Oct 5, 2026)
8. Fla. Stat. 627.7275 - Motor vehicle liability (Florida, accessed Oct 5, 2026)
9. Fla. Stat. 324.131 - Period of suspension (Florida, accessed Oct 5, 2026)
10. FLHSMV Bureau of Financial Responsibility - Bulletin: FR (4) Cases, Increased BIL/PDL Limits for DUI Cases (Dec 19, 2007) (Florida, accessed Oct 5, 2026)
11. Georgia DDS - Rule 375-3-3-.24 Reinstatement Procedures for Suspensions Based on Convictions for Driving Under the Influence (Georgia, accessed Oct 5, 2026)
12. Georgia DDS - Rule 375-3-3-.02 Proof of Financial Responsibility for Probationary License (Georgia, accessed Oct 5, 2026)
13. Fla. Stat. 324.201 - Return of license or registration to department (Florida, accessed Oct 5, 2026)