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SR-22 insurance certificate document required for Florida drivers after violations

SR-22 Certificate of Insurance in Florida

Driving is a privilege in Florida, not a right. When that privilege is suspended because of serious violations, the state may require proof that you carry proper insurance before allowing you back on the road. That proof often takes the form of an SR-22 certificate.

SR-22 is not insurance itself. It is a filing made by your insurer with the Florida Department of Highway Safety and Motor Vehicles (DHSMV). It confirms you carry at least the minimum coverage required by Florida law.

If your case involves a DUI, Florida requires an FR-44 instead…with higher liability limits.

What are SR-22 & FR-44 Certificates of Insurance?

An SR-22 is sometimes called a certificate of financial responsibility. If the state orders it, your insurance company files the form electronically to show you meet insurance requirements.

FR-44 is also a filing your insurer submits… but it verifies those higher limits after a DUI.

These filings are most often required after:

DUI checkpoint requiring SR-22 insurance filing after conviction in Florida
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A DUI or reckless driving conviction

Traffic stop for driving without insurance requiring SR-22 certificate in Florida
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Driving without insurance

At-fault accident scene requiring SR-22 insurance filing for license reinstatement
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Serious at-fault accidents

Suspended Florida driver's license requiring SR-22 certificate for reinstatement
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License suspension or revocation

Without the SR-22 or FR-44 on file, the DHSMV will not reinstate your license.

Florida high-risk driver needing SR-22 insurance certificate after violations

Who Needs SR-22 or FR-44 in Florida?

Florida orders these filings when a driver has shown high-risk behavior. Common reasons include:

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Driving under the influence (DUI)
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Too many traffic violations in a short time
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Driving without liability insurance
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Causing an accident while uninsured

The court or DHSMV notifies you if you must maintain SR-22. The requirement typically lasts three years, but it may be longer depending on the violation.

SR-22 certificate attached to Florida auto insurance policy documentation

How SR-22 Works with Auto Insurance?

SR-22 is not a separate policy. Instead, it is attached to your Florida auto insurance policy. Your insurer submits the form on your behalf for a fee.

If you cancel your policy, your insurer must notify the state. That could cause another suspension. To avoid gaps, you must keep your coverage active for the full period required.

Florida SR-22 insurance coverage options and minimum requirements documentation

SR-22 Coverage Options in Florida

The coverage tied to an SR-22 must meet or exceed Florida's minimum requirements:

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$10K / $20K / $10K in Bodily Injury/Property Damage liability
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For DUI cases, FR-44 certifies $100K / $300K / $50K… usually for 3 years.

Florida still requires PIP and PDL for registration. These sit alongside your SR-22 & FR-44 liability limits.

SR-22 insurance cost calculator showing Florida premium rates after violations

Costs of SR-22 Insurance

The SR-22 itself is inexpensive — usually around $15 to $25 for the filing. The real cost comes from your insurance rates.

Because SR-22 is required after high-risk events, premiums are typically higher. Each insurer has its own method for calculating risk, so shopping with a GreatFlorida Insurance Agent helps you compare options across multiple carriers.

The FR-44 filing fee is similar, but premiums are typically higher because DUI and the 100/300/50 limits raise the price.

SR-22 : Recent updates in Florida

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DUI enforcement updates

Florida Highway Patrol reported increased DUI checkpoints in Miami-Dade and Tampa (Miami Herald, Feb 2025).

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Insurance rate changes

Auto insurers filed for rate increases with the Florida Office of Insurance Regulation due to rising accident severity (Tampa Bay Times, Aug 2025).

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Reinstatement delays

DHSMV warned of longer processing times for SR-22 reinstatements following a statewide system update (Florida Politics, May 2025).

Florida driver consulting with insurance agent about SR-22 certificate requirements

What To Do If You Need an SR-22 Certificate of Insurance?

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Confirm the exact requirement in your court or DHSMV notice
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Check your notice. If it says FR-44 for DUI, tell your agent so we quote the higher limits and file the correct form.
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Contact a GreatFlorida Insurance Agent to add SR-22 to your auto policy
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Pay the filing fee and higher premiums if applicable
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Keep continuous coverage for the full required period
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Do not let your policy lapse... it can reset the clock on your SR-22 requirement

Frequently Asked Questions About SR-22 Insurance

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Is SR-22 insurance the same as regular car insurance?

No. SR-22 is a certificate filed by your insurer to show you carry the required coverage. It is not a separate insurance policy.

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How long do I need an SR-22 in Florida?

Most drivers need to maintain it for three years, but the court may order a longer period.

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How much does SR-22 insurance cost in Florida?

The filing fee is small, usually under $25. The bigger cost is higher insurance premiums because of the violation on your record.

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What happens if I cancel my SR-22 policy?

Your insurer must inform the DHSMV. That can cause your license to be suspended again.

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Can I switch insurance companies with an SR-22?

Yes, but you must make sure your new insurer files the SR-22 without a lapse.

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What is the difference between SR-22 and FR-44?

SR-22 is for general violations. FR-44 is specific to DUI and requires much higher liability limits in Florida.

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Does SR-22 cover me if I drive someone else's car?

If your policy includes non-owner coverage, yes. Otherwise, it applies only to vehicles listed on your policy.

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Do I need SR-22 if I move out of Florida?

Yes, if Florida ordered it. You must maintain SR-22 until the requirement period ends, even if you move.

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Can I get SR-22 without owning a car?

Yes. A non-owner policy with SR-22 filing satisfies the requirement for license reinstatement.

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How do I know if I need SR-22 or FR-44?

The court or DHSMV order will specify. A GreatFlorida Insurance Agent can help you review the notice and choose the correct filing.

Contact GreatFlorida Insurance agents for SR-22 certificate filing assistance

Connect With a GreatFlorida Insurance Agent

Whether you need SR-22 or FR-44, GreatFlorida Insurance makes it easier. Our statewide network helps Florida drivers get back on the road legally and affordably.

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