Common FR44 Mistakes

FR44 requirements come with real deadlines and real consequences for getting the details wrong. Here are the mistakes we see most often — and how to steer clear of them.

Letting coverage lapse, even briefly

This is the big one. A missed payment or a canceled policy — even for a day — gets reported to the state and can suspend your license or restart your filing period. Set up autopay or reminders well before due dates.

Assuming any insurer can file an FR44

Not every carrier offers FR44 filings. Some drivers shop for the cheapest general auto quote without confirming the insurer actually supports FR44, only to find out later it isn’t available through that company.

Only getting one quote

FR44 pricing varies significantly between carriers for the same driver. Accepting the first quote you receive, without comparing others, often means overpaying.

Confusing FR44 with SR22

They serve a similar purpose but aren’t the same — FR44 requires higher liability limits and is typically tied to DUI convictions, while SR22 uses standard minimum limits for a broader range of violations. Filing the wrong one won’t satisfy your requirement. See our FR44 vs. SR22 guide for the full comparison.

Not confirming the exact filing period

Assuming your requirement matches someone else’s situation, rather than confirming your specific dates with the court or FLHSMV, can lead to letting coverage lapse too early.

Ignoring how a new violation affects the timeline

Additional violations during your FR44 period can extend how long you’re required to carry the higher coverage — another reason to drive carefully throughout.

Avoiding these mistakes is mostly about staying organized and asking the right questions upfront. Get a free quote and we’ll walk you through exactly what your policy needs to include.