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FR-44 car insurance defined
An FR-44, also known as an FR44, is a certificate proving a driver is carrying active liability insurance at or in excess of the legal minimum. The "FR" stands for “financial responsibility.”
Liability requirements for an FR-44 certificate are higher than the state minimum or SR-22 requirements. An FR-44 is not actually a form of car insurance, but proof of car insurance. A driver's location and driving history will determine whether or not they need an FR44 filing for insurance.
This relatively common insurance requirement can be brought about by a citation like a DWI or DUI, a driving-without-insurance violation, a collision resulting in substantial property damage, a citation for driving with a suspended license, or as a result of gathering too many license points.