SR-22 Insurance in Florida

An SR-22 is a proof-of-financial-responsibility filing your insurer sends to DHSMV, tied to your auto policy. Florida requires this filing for drivers with certain violations or license suspensions.

No… it’s a standard policy with an SR-22 filing added. We can do owner or non-owner depending on your situation.

Often same day after bind… we send digital ID cards and start the SR-22 filing immediately.

Coverages are your choice… minimum limits up to higher protection. We’ll show the cost steps for liability, UM/UIM, comp and collision.

No… FR-44 is required for DUI convictions in Florida and carries higher liability limits than standard SR-22. See our quick comparison for details.

Yes… many choose liability only; we’ll also price full coverage if you prefer protection for your own vehicle.

Florida requires an SR-22 after license suspensions tied to financial responsibility offenses: driving without insurance, multiple at-fault accidents while uninsured, unpaid judgments, reckless driving, and repeated traffic violations. Your Florida DHSMV reinstatement letter will state the specific reason your filing is required. (Note: for DUI specifically, Florida typically requires FR-44, not SR-22.)

Florida requires SR-22 coverage for three years, with the clock starting from the date your license is reinstated — not from the date of the violation. Continuous coverage is essential: any lapse can restart the three-year requirement from zero.

Florida’s basic liability minimums are 10/20/10 — $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage. Florida is also a no-fault state, so $10,000 in Personal Injury Protection (PIP) coverage is mandatory. For DUI offenses requiring an FR-44, the higher minimum limits jump to 100/300/50.

Yes, you can switch providers — but make sure your new insurer files a new SR-22 with the Florida DHSMV before your old policy cancels, so there is no coverage gap. The previous insurer files an SR-26 form to cancel their filing. A Plus Insurance handles both sides of the transition to ensure no coverage gap.

Your Florida SR-22 requirement follows you. You must maintain coverage that meets Florida’s minimum requirements (or FR-44 limits if applicable) until your three-year term ends, even if your new state has different rules. Your insurer can help coordinate filings in the new state if it also requires an SR-22.

In limited cases, drivers with clean incident-free records may petition the Florida DHSMV for early review after at least one year. Most drivers complete the full three years. Once your requirement period ends, your insurance company files an SR-26 form with the DHSMV to officially close out the filing.

The single biggest lever is comparing rates across multiple SR-22-friendly carriers — prices vary widely by company for the same driver record. Other options: take a Florida-approved defensive driving course (typically 5–10% discount), bundle SR-22 auto with renters or homeowners insurance (15–25% multi-policy discount), set up paid-in-full or telematics-based discounts, and re-shop your policy at every renewal as your record clears.

If your SR-22 policy lapses or cancels, your insurance company is required to notify the Florida DHSMV. The DHSMV will then suspend your driver’s license, and you may be required to restart the entire three-year SR-22 period from zero once you reinstate coverage. Set up automatic payments to prevent accidental lapses — this is the single most expensive mistake during an SR-22 period.

In Florida, a DUI conviction typically triggers an FR-44 filing requirement rather than a standard SR-22. The FR-44 requires significantly higher liability limits (100/300/50 vs. the standard 10/20/10) and is also a three-year requirement from license reinstatement. Premiums typically increase 80–100% for the duration. Maintaining a clean record during the FR-44 period is critical to returning to standard rates afterward.

Once your Florida SR-22 requirement period ends and the underlying violation begins aging off your driving record, your rates should gradually decrease. Maintaining a clean driving record during the SR-22 period is essential — and re-shopping your policy at every renewal helps capture those rate reductions as soon as they apply, rather than overpaying out of inertia.

Liability coverage that follows you when driving borrowed or rented vehicles… it satisfies DHSMV’s filing without insuring a specific car.

Yes… we convert to an owner policy when you purchase a car—keeping your SR-22 active the whole time.

No… non-owner covers liability for others. If you buy a car, we can price full coverage at that time.

Usually yes… each person files separately. Underwriting varies; we’ll confirm details.

If your reinstatement requires it, yes—keep the non-owner active until you buy and switch to an owner policy.

Yes… we assist with reporting, estimates, rentals, and status so you’re not alone.

We’ll do deductible math together… sometimes self-pay avoids a surcharge.

Yes… we quote first and apply good-student and telematics discounts where available.

Sometimes… underwriting rules apply. We’ll explain pros and cons before you decide.

Yes… if rates move or your record improves, we re-shop automatically and recommend the best move.