Florida SR-22 Car Insurance

Looking for SR-22 in Florida? We’ve got you covered!

What is SR-22?

An SR-22 is a certificate of financial responsibility required by some drivers, as mandated by their state or a court order. It is not a type of insurance but a form filed with your state. This form serves as proof that your auto insurance policy meets the minimum liability coverage required by state law. People typically required to have an SR-22 include those who have been convicted of driving under the influence, involved in serious traffic offenses like reckless driving, caused an accident while driving without insurance, or have had multiple or repeat traffic violations or car accidents.

How to get SR-22?

The process to obtain an SR-22 varies by state, but generally, you need to contact your auto insurance company, who will then file the SR-22 form with your state’s traffic authorities. The cost for filing an SR-22 is about $25, but this one-time fee is not the only expense you may face. Your insurance premiums will likely be higher than normal due to the increased risk associated with the violations that necessitated the SR-22.

How long do I need SR-22?

The typical timeframe for maintaining an SR-22 is about 2-3 years, but it could be longer depending on the offense and state regulations.

Is SR-22 the same as FR-44?

An FR-44 is similar to an SR-22 but is only used in Florida and Virginia, typically for DUI convictions or driving with a suspended license, and it requires higher liability limits than the state minimum or SR-22 minimum coverages.

Not all insurers offer SR-22 filings, so you may need to shop around for a new insurance company if your current insurer does not provide this service. Companies that specialize in coverage for high-risk drivers typically offer SR-22 filing.

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