FR44 & SR22 Insurance Experts

Nestled in the heart of Chesterfield, Missouri, FR44 & SR22 Experts has been a beacon of trust and excellence for over 15 years. As the country's top producer of SR22 and FR44 policies, our commitment to innovation and dedication to the client experience sets us apart in the insurance industry.

What truly distinguishes FR44 & SR22 Experts is our unique operational structure. Embracing the digital age, we have tapped into the power of remote work, allowing us to assemble an elite team of agents and brokers stationed strategically across the nation. This vast network transcends traditional geographic and time constraints, empowering our team to operate across multiple time zones. This strategic placement ensures that wherever our clients are, there's an expert representative ready to assist, unbounded by the confines of a conventional 9-to-5 schedule.

Our innovative approach has paid dividends, fostering a hyper-responsive service culture that is attuned to the rhythm of our customers’ lives, rather than the tick of a clock. Our customers have come to recognize and appreciate the flexibility and accessibility that defines our brand.

Moreover, the high volume of policies we produce has solidified our position as a preferred partner among carriers. This high-volume business model affords us exclusive arrangements, leading to cost-saving benefits for our customers. Through our specialized programs with carriers, we're able to offer our policies at substantially lower rates than many competitors, ensuring that our clients receive unparalleled value alongside exceptional service.

At FR44 & SR22 Experts, we're not just redefining insurance—we're reshaping the very essence of customer-centric service.


Our Team

Founder and Managing Director

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Samuel Ridgeway

A Visionary Leader with a Heart for People

Samuel Ridgeway is not just the proud owner and driving force behind FR44 & SR22 Experts; he is the embodiment of its core values. With over 15 years at the helm, Sam's leadership is anchored in a simple, yet powerful philosophy: prioritize people and profits will follow. His oft-repeated maxim, "People before Commissions," encapsulates a business ethos that places customer well-being at its heart, a commitment that has been a cornerstone of the company's enduring success.

A Chesterfield, Missouri native for over two decades, Sam is deeply woven into the fabric of the local community. Beyond his professional achievements, he is a dedicated family man, celebrating the joys of marriage, fatherhood, and even grandfatherhood. His engagement with community activities, especially those involving his children and grandchildren, underscores his commitment to nurturing and giving back to the community that has supported him throughout his journey.

Sam's service as a U.S. Army Combat Veteran during the Gulf War is a testament to his courage, resilience, and dedication to his country. The values instilled in him during his service have translated seamlessly into his role as a business leader. After bravely serving his nation, Sam pursued higher education, earning his college degree with determination and zeal. Not long after, he channeled his entrepreneurial spirit to establish FR44 & SR22 Experts. Since its inception, he has steered the company with an unwavering commitment to integrity and service, ensuring it stands tall in the insurance industry.

More than just a successful entrepreneur, Samuel Ridgeway is a beacon of principled leadership, community involvement, and genuine care – values that permeate every facet of FR44 & SR22 Experts.


FR44 & SR22 Experts is licensed in Arizona, California, Colorado, Florida, Illinois, Missouri Nevada, New Mexico, Ohio, Texas, and Virginia.