Post-SR22 Rates After FR-44: What Florida & Virginia Drivers Pay

FR-44 is Florida and Virginia's high-limit liability filing requirement, typically mandated for DUI convictions. While an SR-22 proves you carry state minimum liability, an FR-44 requires $100,000/$300,000 bodily injury limits — double or triple most state minimums. When you complete your FR-44 period and move to a non-FR-44 state, the filing obligation ends, but the underlying DUI conviction remains on your motor vehicle record for 3-10 years depending on the state. Here's the pricing dynamic most post-FR-44 drivers miss: carriers in your new state see the DUI violation, not the FR-44 filing itself. That means you're quoted as a post-DUI driver who no longer requires enhanced liability limits. In Florida and Virginia, post-FR-44 rates remain elevated because carriers know your violation triggered the state's most serious filing requirement. In Georgia, Tennessee, or the Carolinas, you're priced as a standard post-DUI risk — which typically runs $140-220/mo for minimum coverage, compared to $200-360/mo for post-FR-44 drivers still in Florida. The rate difference isn't about forgiveness — it's about risk classification. FR-44 states flag DUI convictions more aggressively in their insurance databases, and carriers in those states maintain separate rate tiers for FR-44 completions. Non-FR-44 states don't have that classification, so you default to the standard post-conviction pricing model.

If you completed your FR-44 and are still in Florida or Virginia, expect monthly premiums of $180-340/mo for liability-only coverage during the first 12 months post-filing. Full coverage typically runs $280-520/mo. These rates assume a single DUI with no additional violations and 1-2 years since your FR-44 ended. Carriers writing post-FR-44 drivers in these states include Progressive, Dairyland, National General, and Bristol West — but availability narrows significantly if you had multiple DUIs or a refusal. Drivers who relocate to non-FR-44 states after FR-44 completion see different pricing. In Georgia, North Carolina, Tennessee, and South Carolina, post-DUI drivers with 1-2 years of violation-free driving pay approximately $140-240/mo for liability coverage and $220-380/mo for full coverage. The 15-30% rate reduction reflects the absence of FR-44 classification in those states' insurance databases, not the removal of the DUI itself. Rate recovery timelines follow the same curve regardless of whether your original requirement was SR-22 or FR-44. Expect premiums to drop 10-15% at the 2-year post-conviction mark, another 15-20% at 3 years, and gradual reductions through year 5. By year 7-10 (depending on state lookback periods), the violation falls off your motor vehicle record entirely. Florida maintains DUI convictions for 75 years; Virginia keeps them for 11 years. If you move to a state with a shorter lookback, your rate recovery accelerates once the conviction ages past that state's threshold.

The non-standard carriers most likely to quote post-FR-44 drivers include Progressive, Dairyland, National General, Bristol West, Acceptance, and Foremost. Progressive writes the broadest post-DUI business and typically offers the most competitive rates for drivers 2+ years post-conviction. Dairyland and National General focus on high-risk drivers but often require 12-24 months of continuous coverage before offering best rates. In Florida, post-FR-44 drivers with 1-2 years since filing ended pay approximately $210-290/mo with Progressive for liability coverage, $240-340/mo with Dairyland, and $190-280/mo with Bristol West. Virginia rates run slightly lower: $180-260/mo with Progressive, $210-310/mo with Dairyland. These estimates assume a 35-year-old driver with a single DUI, no lapses, and no additional violations since the FR-44 period began. If you've relocated to Georgia, Tennessee, or the Carolinas after FR-44 completion, the same carriers write post-DUI business but at reduced premiums. Expect quotes of $160-230/mo for liability coverage with Progressive or Bristol West, compared to $210-290/mo in Florida. The difference compounds over 12 months: a Florida driver pays roughly $2,520/year post-FR-44, while a Georgia driver with identical violation history pays $1,920 — a $600 annual savings driven entirely by risk classification differences between FR-44 and non-FR-44 states.

Rate recovery after FR-44 follows a predictable curve, but "normal" depends on your state's lookback period and your carrier's underwriting rules. Most non-standard carriers maintain elevated premiums for 3-5 years post-conviction. Standard carriers (State Farm, Allstate, GEICO's preferred lines) typically won't quote you until 3-5 years post-DUI with no additional violations. Here's the typical timeline: At 6 months post-FR-44, you're still in maximum-risk pricing — expect no rate reduction. At 12 months post-conviction, some carriers offer a small 5-10% reduction if you've maintained continuous coverage. At 24 months, expect a 10-15% drop as you move out of the highest-risk tier. At 36 months, you may qualify for standard carrier quotes in some states, with premiums 40-50% lower than your non-standard peak. By year 5, most drivers see rates 60-70% lower than their post-conviction high. The DUI conviction itself remains on your record for 3-11 years depending on state law. Florida's 75-year retention is effectively permanent. Virginia keeps DUI convictions for 11 years. Georgia, Tennessee, and North Carolina maintain 7-10 year lookback periods for insurance purposes. If you completed FR-44 in Florida or Virginia and later moved to a state with a shorter lookback, your violation may age off the insurance record faster — but only if you establish residency and obtain a new state driver's license. Carriers pull records from your licensed state, not your former state of filing.

If you completed your FR-44 within the past 24 months and are still in Florida or Virginia, your priority is shopping your rate every 6 months. Post-FR-44 pricing is volatile — carriers adjust high-risk tiers quarterly, and the carrier offering the best rate today may not be competitive in six months. Request quotes from at least three non-standard carriers: Progressive, Dairyland, and one regional writer. If you've maintained 12+ months of continuous coverage since your FR-44 ended, emphasize that in your quote request — many carriers offer tier upgrades at the 12-month mark. If you've relocated to a non-FR-44 state after completing your filing, do not assume your current carrier is still competitive. Drivers who move from Florida to Georgia, Tennessee, or the Carolinas often stay with the same non-standard carrier and continue paying FR-44-level premiums even though the filing requirement no longer applies. Request new quotes immediately after establishing residency in your new state. Provide your new state driver's license number and confirm your filing obligation has ended — this triggers repricing in the non-FR-44 state's risk classification system. Avoid these common mistakes: Do not let your policy lapse while shopping. Even a single-day gap resets your continuous coverage clock and triggers high-risk surcharges. Do not assume you need to wait 3-5 years to shop standard carriers — some writers (GEICO, Nationwide) will quote post-DUI drivers at 24-36 months depending on state and violation details. Do not rely on a single quote — post-DUI pricing variance between carriers can exceed $100/mo for identical coverage. The difference between staying with your current carrier and shopping aggressively is $1,200-1,800 per year during your rate recovery period.