SR-22 & FR-44 Insurance
Florida

Standard Auto Insurance

Florida average for clean driving record

SR-22 Insurance

Typical for driving without insurance

FR-44 Insurance

Required for DUI/DWI convictions

📋 SR-22 Required For:

• Driving without insurance
• Causing an accident while uninsured
• Lapse in coverage during a policy period
• Accumulating too many points on your license
• Reckless driving conviction (non-DUI)

🚗 FR-44 Required For:

• DUI (Driving Under the Influence)
• DWI (Driving While Intoxicated)
• BUI (Boating Under the Influence)
• Drug-related driving offenses
• Refusing a breathalyzer test

📄 What is SR-22 insurance in Florida?

SR-22 is a certificate of financial responsibility that proves you carry the minimum required auto insurance. Florida requires SR-22 for drivers with suspended licenses due to uninsured accidents, lapses in coverage, or certain traffic violations. It's not a type of insurance—it's a form your insurer files with the Florida DHSMV on your behalf.

⚖️ What is FR-44 insurance and how is it different from SR-22?

FR-44 is unique to Florida and Virginia. It requires higher liability limits than SR-22: $100,000/$300,000 bodily injury and $50,000 property damage. FR-44 is required for DUI/DWI convictions in Florida, while SR-22 covers other violations like driving without insurance or causing an uninsured accident.

⏱️ How long do I need SR-22 or FR-44 insurance in Florida?

In Florida, you must maintain SR-22 for 3 years from the date of license reinstatement. FR-44 requirements also last 3 years. Any lapse in coverage during this period will result in immediate license suspension and restarting the 3-year requirement.

💰 How much does SR-22 or FR-44 insurance cost in Florida?

The SR-22 filing fee is typically $15-$50. However, high-risk insurance premiums increase significantly—often 50% to 150% higher than standard rates. FR-44 costs more due to higher required coverage limits. Florida drivers can expect to pay $150-$300+ per month depending on their driving record and the reason for the requirement.

⚡ Can I get same-day SR-22 filing in Florida?

Yes, many insurance companies offer same-day or next-day electronic SR-22 filing with the Florida DHSMV. At Landel Insurance, we work with carriers that provide immediate filing so you can reinstate your license as quickly as possible.

⚠️ What happens if my SR-22 or FR-44 insurance lapses in Florida?

If your SR-22 or FR-44 policy lapses or is cancelled, your insurer must notify the Florida DHSMV within 15 days. Your license will be immediately suspended, and you'll need to restart the 3-year filing requirement. You may also face additional fines and penalties.

🚶 Can I get SR-22 insurance without owning a car in Florida?

Yes, you can get a non-owner SR-22 policy. This covers you when driving vehicles you don't own (rentals, borrowed cars, etc.) and satisfies Florida's financial responsibility requirements. Non-owner policies are often less expensive than standard SR-22 policies.

📊 Will SR-22 or FR-44 affect my credit score?

The SR-22 or FR-44 filing itself does not appear on your credit report or affect your credit score. However, the underlying violations (DUI, accidents, etc.) may affect your insurance rates for several years. Shopping multiple carriers can help you find the best rates available for your situation.

Compare Multiple Carriers

Not all insurers charge the same for high-risk drivers. We shop 5+ carriers to find your best rate.

Take a Defensive Driving Course

Florida-approved courses can reduce your premium and improve your driving record.

Increase Your Deductible

A higher deductible means lower monthly premiums. Choose an amount you can afford if needed.

Drive a Lower-Risk Vehicle

Older, safer vehicles with good safety ratings cost less to insure than sports cars.

Maintain Continuous Coverage

Never let your policy lapse. Gaps in coverage increase rates and restart your 3-year requirement.

Pay Annually if Possible

Many insurers offer 5-15% discounts for paying your premium in full upfront.