What’s the Difference?
When drivers are required to show proof of financial responsibility after serious violations, they may hear about SR22 or FR44 insurance filings. While both serve a similar purpose, they are used in different states and have different coverage requirements.
What Is an SR22?
An SR22 certificate confirms that a driver carries the minimum liability insurance required by the state. It is typically required after violations such as:
- DUI or DWI
- Driving without insurance
- License suspension
- Excessive traffic violations
The SR22 filing allows the state to monitor your insurance coverage.
What Is an FR44?
An FR44 filing is similar to an SR22 but requires higher liability coverage limits.
FR44 filings are commonly used in states such as:
- Florida
- Virginia
Because of the higher coverage requirements, FR44 insurance is typically more expensive than SR22 insurance.
SR22 vs FR44 Comparison
| Feature | SR22 | FR44 |
|---|---|---|
| Used in most states | Yes | Limited states |
| Required after DUI | Yes | Yes |
| Liability coverage requirements | Standard minimum | Higher limits |
| Cost | Lower | Higher |
Drivers in South Carolina usually only need an SR22 filing, not an FR44.
Get SR22 Insurance Help Today
If you need an SR22 filing or high-risk insurance, Upstate’s Choice Insurance can help you find affordable coverage quickly.
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https://www.upstateschoice.com/