SR-22 vs. FR-44 — Side by Side
| Feature | SR-22 | FR-44 |
|---|---|---|
| States that use it | Most U.S. states, including California | Florida and Virginia only |
| Coverage required | State minimum liability limits | Typically double the state minimums |
| California minimum coverage | $15,000/$30,000/$5,000 | Not applicable in California |
| Cost | Filing fee $15–$35 + insurance premium | Higher premiums due to increased coverage requirements |
| Duration | Typically 3 years in California | Typically 3 years in FL and VA |
| Who files it | Your insurance company | Your insurance company |
The short answer for California drivers:
If you're in California, you need SR-22. Full stop. California does not use FR-44. If a court, the DMV, or anyone else in California is asking for financial responsibility proof, they want an SR-22.
What is SR-22 in California?
An SR-22 is a certificate filed by your insurance company with the California DMV certifying that you carry at least the state's minimum required liability insurance. California minimums are $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $5,000 for property damage.
SR-22 is required in California after DUI convictions, license suspensions, driving without insurance, and other serious violations.
What is FR-44 and Why Doesn't California Use It?
FR-44 is a higher-coverage version of financial responsibility certification used only in Florida and Virginia. It typically requires liability limits double the state minimums — meaning significantly more expensive insurance premiums.
California chose not to adopt the FR-44 system. All California financial responsibility requirements use the SR-22 form.
I Moved to California From Florida — What Do I Need?
If you previously had an FR-44 requirement in Florida and have moved to California, you now need a California SR-22, not an FR-44. FR-44 is only valid in Florida and Virginia. Contact Sanctuary Insurance Services and we can get your California SR-22 filed with the DMV the same day.