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Texas insurance glossary

FR-44

FR-44 is a high-limit financial responsibility filing used by Florida and Virginia after alcohol-related convictions, and Texas does not issue or require it.

Sources checked

The entry exists because people arrive asking for one. FR-44 is a Florida and Virginia instrument: same idea as an SR-22, but requiring liability limits well above that state’s ordinary minimum, and used after alcohol-related convictions.

Texas has no equivalent. What Texas requires is an SR-22 at the 30/60/25 minimum, and a DWI reaches that requirement through the suspension it causes rather than through a separate high-limit form.

A driver moving to Texas under an FR-44 obligation has two states to satisfy, and the other state’s requirement does not disappear on arrival.

Sources: Texas Transportation Code ch. 601 — Motor Vehicle Safety Responsibility Act; Texas DPS — Financial Responsibility Insurance Certificate (SR-22); Texas DPS — moving to Texas. Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • SR-22 An SR-22 is a certificate a Texas insurer files with the Department of Public Safety to prove a driver carries at least the minimum liability coverage Chapter 601 requires.
  • SR-22A An SR-22A is the Texas-only version of the certificate, ordered by a court, which additionally requires six months of premium to be paid in advance before the filing is made.
  • Financial responsibility Financial responsibility is the Texas requirement that a person be able to answer for the damage they cause with a vehicle, most commonly satisfied by a liability policy.
  • DWI DWI is driving while intoxicated: the Texas offense of operating a motor vehicle in a public place while intoxicated, under Penal Code § 49.04.

Where this is handled

A definition does not file anything. When the suspension date is closer than the research, one independent agency on FM 1959 can transmit the SR-22 to the DPS and tell you what the state wants before you pay anyone anything.

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