FR44 insurance and SR22 insurance are both types of high-risk auto insurance filings required by certain states after a driver commits a serious traffic offense. While the two are often confused, they serve different legal and financial purposes. Understanding the difference between SR22 and FR44 can help drivers, attorneys, and insurance agents make informed decisions.
What Is SR22 Insurance?
SR22 is not actually insurance—it's a certificate of financial responsibility filed by an insurer with the state. It proves that a high-risk driver has the minimum required auto insurance coverage after events like:
- DUI or DWI convictions
- Multiple traffic violations
- Driving without insurance
- Reckless driving
SR22 is commonly required in states like California, Texas, and Illinois and must be maintained for a court-mandated period, usually three years.
What Is FR44 Insurance?
FR44 insurance is similar in structure to SR22 but requires significantly higher liability coverage limits. Currently, FR44 is only used in Florida and Virginia and typically follows more severe offenses, such as:
- DUI convictions involving bodily injury
- License suspension after serious offenses
- Repeat high-risk violations
FR44 requires drivers to carry a minimum of 100/300/50 liability limits, which is much higher than standard policies.
"If you get a DUI in Florida, the state doesn’t just want proof of insurance—they want proof you’re covered well above the minimum. That’s why FR44 exists."
Key Differences Between SR22 and FR44
| Feature | SR22 | FR44 |
|---|---|---|
| States Required | Most U.S. states | Florida, Virginia only |
| Minimum Coverage | State minimums | Higher limits (e.g., 100/300/50) |
| Typical Offense | Driving without insurance, multiple tickets | DUI with bodily harm, repeat offenses |
| Cost of Insurance | Lower premiums than FR44 | Higher premiums due to increased risk |
Why This Matters for Insurance Leads
Drivers looking for FR44 or SR22 insurance often need coverage quickly. They’ve usually just left court or received notice of suspension, making them highly motivated buyers—ideal for lead generation campaigns.
FR44 and SR22 Leads Tend to Be:
- Time-sensitive (deadlines from court or DMV)
- Willing to pay higher premiums
- Actively searching online or calling agents
How LegalGrab Helps You Reach These Drivers
LegalGrab sources real-time FR44 and SR22 insurance leads across Florida, Virginia, and other high-volume states. We target drivers as soon as they’re flagged for filing requirements, ensuring you connect while they’re actively seeking help.
Our leads include:
- Full name and contact info
- License status and state
- Charge type (DUI, suspension, etc.)
Need FR44 or SR22 Leads Now?
Call LegalGrab or contact us today to connect with high-intent drivers who need insurance fast after a DUI or suspension.
