SR22 and FR44 insurance are both types of financial responsibility insurance. However, they are required in different situations and have different coverage limits.
SR22 insurance is a state-mandated form of financial responsibility insurance. It is typically required for drivers who have been convicted of certain traffic violations, such as driving while intoxicated (DWI) or driving with a suspended or revoked license. SR22 insurance provides proof to the state that the driver has met the minimum financial responsibility requirements.
FR44 insurance is a more stringent form of financial responsibility insurance. It is typically required for drivers who have been convicted of multiple serious traffic violations, such as multiple DWIs or felony driving offenses. FR44 insurance provides proof to the state that the driver has a higher level of financial responsibility.
The coverage limits for SR22 and FR44 insurance vary by state. However, the minimum coverage limits for SR22 insurance are typically lower than the minimum coverage limits for FR44 insurance.
The cost of SR22 and FR44 insurance can vary depending on the driver’s driving history and other factors. However, FR44 insurance is typically more expensive than SR22 insurance.
The type of financial responsibility insurance that you need will depend on your driving history. If you have been convicted of a serious traffic violation, you may need to obtain FR44 insurance. Otherwise, SR22 insurance may be sufficient.
You can obtain SR22 or FR44 insurance through most insurance companies. You will need to provide the insurance company with proof of your identity, driving history, and vehicle registration. The insurance company will then issue you a certificate of financial responsibility, which you must file with the state.