Updated August 6, 2026

FR-44 in Florida and Virginia: Complete Comparison

Florida and Virginia are the only two states that use an FR-44. The certificate exists in both for the same reason — a DUI conviction — but the surrounding rules differ.

What is identical

100/300/50 liability limits in both states.

Three years of continuous filing.

Electronic monitoring by the state; a lapse re-suspends the license.

Non-owner policies are accepted in both, when no vehicle is titled to you.

Where Florida differs

The baseline for everyone else is 10/20/10 with PIP and PDL, so the FR-44 jump is dramatic.

PIP is tied to registered vehicles, so a non-owner FR-44 generally carries no PIP.

Reinstatement runs through DHSMV, with separate fees.

Where Virginia differs

Ignition interlock is required for 12 months on any DUI conviction, including first offenses, for restricted driving privileges.

Virginia also uses SR-22s for non-DUI violations, so drivers there frequently confuse the two filings.

Reinstatement runs through Virginia DMV, with its own fee schedule.

Choosing owner vs non-owner in either state

Non-owner is cheaper and fully compliant — but only if no vehicle is titled to you and you have no regular access to a household car. Getting this wrong causes the policy to be rewritten or voided, which the state reads as a lapse.

Moving between the two states

The filing does not transfer. If you relocate from Florida to Virginia or the reverse, the new state's DMV sets a new requirement. Do not cancel the old policy until the new filing is confirmed.

Licensed in both

We write FR-44 and SR-22 filings in Florida and Virginia, owner and non-owner, and transmit electronically the same day.

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Florida FR-44 Virginia FR-44 Non-owner SR-22 SR-22 by state