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Most motorcyclists will not need SR-22 or FR-44 insurance. Riders are typically informed by their state’s Department of Motor Vehicles or through a court order if this requirement applies to them.

The most common reasons to receive this notification or order are a DUI or DWI conviction, license revocation, or excessive points on your driving record. It can also be issued as part of your probation or to regain specific riding privileges.

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Since the requirements in each state are highly variable, here is what you’ll want to know about these motorcycle insurance options.

What to Know About SR-22 Insurance

SR-22 is a certificate of financial responsibility required for certain high-risk drivers. It is not an insurance policy but a form your insurer fills out and delivers to the state where you live.

The SR-22 certificate verifies you have the required levels of liability insurance coverage for where you live.

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This requirement is typically required for motorcyclists involved in serious traffic violations, such as driving under the influence (DUI) or driving without insurance. Even if you received these violations while driving a car, the stipulations typically apply to all your vehicles, including your bike.

In many states, an SR-22 certificate is also required for drivers who have had their licenses suspended or revoked due to certain offenses.

You must maintain the minimum levels of liability insurance for where you live for the SR-22 to remain valid. If you allow your policy to lapse, there could be legal or financial consequences.

What to Know About FR-44 Insurance

FR-44 insurance certificates are like SR-22 requirements but have more stringent rules governing liability motorcycle insurance.

The FR-44 requirements are specific to two states: Florida and Virginia. It is mandated for drivers who have been convicted of more serious offenses, such as DUI, and the insurance coverage limits are higher than those required for SR-22.

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The minimum liability coverage required with an FR-44 is generally significantly higher than needed for an SR-22 certificate.

RequirementsRequired for certain high-risk driversRequired for drivers convicted of more serious offenses
Liability InsuranceMinimum liability coverage requiredSignificantly higher minimum liability coverage required
Applicable StatesMost of the statesFlorida and Virginia

What Is the Cost of Getting SR-22 or FR-44 Motorcycle Insurance?

If your state requires SR-22 or FR-44 verification, you’ll typically need to pay a one-time filing fee when signing up for your insurance coverage. This cost ranges from $15 to $50 in most areas.

If you’re considered a high-risk driver, insurance providers may charge higher premiums to cover the increased risk. It is not unusual to see your rates double compared to a motorcyclist with three years of experience and a clean driving record.

Different insurance providers have varying pricing structures and guidelines for high-risk drivers, so it’s a good idea to shop around and compare quotes from multiple companies. Some agencies might require an in-person visit to verify your identity with an SR-22 or FR-44 requirement.

The average rider pays anywhere from $300 to $800 more annually for their insurance needs. Your exact costs will vary because of the specific factors involved in your case. That’s why it is essential to speak with several providers directly to receive a personalized quote.

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Mike Navarette has more than a decade of experience in the auto insurance industry, but that's not his true passion. He loves getting on a motorcycle to explore roads he's never traveled. You'll find Mike in the garage working on something when he isn't helping clients or leaning into curves. It's sometimes a side hustle, more often a favor, but it keeps his hands busy doing something productive. Since the first time his father strapped on his helmet and took him for a ride, Mike has loved bikes. That passion, along with a desire to help others through a deep understanding of insurance policies, led to the creation of Motorcycle Ride Coverage.

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