SR-22 insurance in Florida
What Florida requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in Florida write the policies that carry it, from the state's own pages and the insurance company directory.
Florida uses the SR-22 and FR-44 filing. Who needs it: DUI convictions (100/300/50 limits, the FR-44 by industry name), suspension for lacking PIP/property damage coverage, a crash without bodily injury coverage, and unpaid crash judgments. How long: 2 years after an insurance-lapse suspension; 3 years after a DUI or judgment suspension. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 623 companies write personal auto in Florida; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What Florida requires
From Florida Department of Highway Safety and Motor Vehicles (FLHSMV); sources at the bottom.
| Filing | SR-22 and FR-44 |
|---|---|
| Who needs it | DUI convictions (100/300/50 limits, the FR-44 by industry name), suspension for lacking PIP/property damage coverage, a crash without bodily injury coverage, and unpaid crash judgments. |
| How long | 2 years after an insurance-lapse suspension; 3 years after a DUI or judgment suspension. |
| State fees | Reinstatement after an insurance suspension: $150 first, $250 second, $500 for each later one within 3 years. No separate SR-22/FR-44 filing fee is stated by the state. |
| Non-owner filing | Accepted by statute: an owner's or operator's policy can serve as proof. State pages do not describe a non-owner filing by name. |
| How it's filed | Your insurer issues a policy of at least 6 months and notifies FLHSMV; you present proof on a state form. Whether the certificate must be filed electronically: not stated by the state. |
| If the policy cancels | Your insurer reports a cancellation within 10 days, and FLHSMV suspends your license and registration. Reinstatement fees rise with repeat lapses. Whether the period restarts: not stated. |
| Minimum liability limits | PIP $10,000 and property damage $10,000; proof 10/20/10 (bodily injury per person / per accident / property damage); after a DUI 100/300/50. |
| Who handles it | Florida Department of Highway Safety and Motor Vehicles (FLHSMV) |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the SR-22 and FR-44 to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an SR-22 and FR-44 in Florida?
2 years after an insurance-lapse suspension; 3 years after a DUI or judgment suspension.
Who needs an SR-22 and FR-44 in Florida?
DUI convictions (100/300/50 limits, the FR-44 by industry name), suspension for lacking PIP/property damage coverage, a crash without bodily injury coverage, and unpaid crash judgments.
Can I get a non-owner SR-22 and FR-44 in Florida?
Accepted by statute: an owner's or operator's policy can serve as proof. State pages do not describe a non-owner filing by name.
What happens if my policy cancels during the SR-22 and FR-44 period?
Your insurer reports a cancellation within 10 days, and FLHSMV suspends your license and registration. Reinstatement fees rise with repeat lapses. Whether the period restarts: not stated.
Sources
- https://www.flhsmv.gov/insurance/
- https://www.flhsmv.gov/insurance/received-a-letter/
- https://www.flhsmv.gov/driver-licenses-id-cards/education-courses/dui-and-iid/florida-dui-administrative-suspension-laws/
- https://www.flhsmv.gov/pdf/bulletins/2023/info23-028.pdf
- https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.021.html
- https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0324/Sections/0324.0221.html
Send it once. It gets filed.
A few minutes to request the quote; the companies that file SR-22 and FR-44 answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.