If you were recently convicted of a DUI/DWI or another major traffic violation, then there's a good chance you'll need a SR-22 or FR-44 in order to get back on the road. If you're not sure about which one you'll need, the following explains the differences and similarities of the SR-22 and FR-44.

Both SR-22 and FR-44 Serve the Same Purpose

Both the SR-22 and FR-44 are considered "certificates of financial responsibility." In short, both effectively serve as mandatory guarantees from the insurance company to your local department of motor vehicles (DMV) that you'll always carry at least the mandatory minimum liability coverage required by his or her state while the filing is in effect. Like the SR-22, the FR-44 is also filed on your behalf by your insurance provider, although some providers may chose not to and subsequently terminate your coverage as a result.

Both filings will remain attached to your auto insurance policy for at least 3 years, in most states. If you lose coverage due to cancellation or policy lapse, the 3-year period starts over from Day 1. In addition, you may also be subject to additional fines and penalties.

Only 2 States Require FR-44 Filings

Florida and Virginia are the only states that currently utilize FR-44 filings. As with the SR-22, FR-44 filings are required if you've been convicted of a DUI/DWI or driving with a suspended driver's license due to a traffic or criminal offense. In Virginia, the SR-22 insurance is usually reserved for lesser offenses (such as failing to provide proof of insurance or providing false insurance certification), while the FR-44 is reserved for those convicted of DUI or possession of a controlled substance.

FR-44 Requires Higher Liability Limits

While a SR-22 allows you to retain the minimum liability coverage limits for your state, an FR-44 requires you to raise your liability coverage limits by a significant amount. In Virginia, you'll need to purchase at least $50,000 in bodily injury coverage for each person, $100,000 in bodily injury coverage per accident and $40,000 in property damage coverage.

In Florida, you'll need to purchase at least $100,000 in bodily injury coverage per person, $300,000 in bodily injury coverage per accident and $50,000 in property damage coverage. Those convicted of a DUI or DWI before October 2007 only need $10,000, $20,000 and $10,000, respectively. These higher liability limits reflect the heightened risk a previously convicted driver represents to others on the road.