SR-22 Insurance in Florida
Numbers refreshed
The state fee, how long the filing lasts and who needs one in Florida.
- The state requires an SR-22 / FR-44 form.
- 1st of 51.It is the most expensive state (1st = highest).
Rules for SR-22 in Florida
In Florida, an SR-22 / FR-44 filing is required after a serious offense and kept for 3 years.
If a driver caused a crash without the required coverage, Florida requires an SR-22. Drivers convicted of DUI need an FR-44.
| Rule | Florida |
|---|---|
| Form | SR-22 / FR-44 |
| Years you must keep it | 3 |
| State reinstatement fee | $15 |
| FR-44 limits (after a DUI) | 100/300/50 |
Source: Florida Insurance Requirements: Florida Department of Highway Safety and Motor Vehicles; Involved in a Crash?: Florida Department of Highway Safety and Motor Vehicles; DUI Frequently Asked Questions: Florida Department of Highway Safety and Motor Vehicles.
The FR-44 after a DUI
Following a DUI conviction on October 1, 2007 or later, Florida requires an FR-44 for three years. It shows bodily injury limits of $100,000/$300,000 and property damage limits of $50,000.
How it affects what you pay
The filing is cheap, but the related offense raises your premium.
The state rate guides we use show one at-fault accident raising a price about 1.5 times.
With a Florida liability average of $1,391, the annual cost would be about $2,087.
Getting a filing
- Not every company files it for you, so ask your insurer to send the form to the state.
- Don't have a car? A non-owner policy can include the filing.
- Make sure the policy stays paid. The state hears about a lapse, and it can restart the clock.
First written