SR-22 in Florida: What You Need to Know

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  • What is it?
  • Who needs it?
  • Obtaining
  • Cost
  • Impact on insurance
  • Cheap insurance
An SR-22 is a certificate of financial responsibility that your auto insurance provider files with your state. While some people call it “SR-22 insurance,” it’s not an insurance policy—it’s your insurer’s confirmation that you have met the state’s minimum liability requirements.
If you must obtain an SR-22 or FR-44 certificate in Florida, your insurance premiums will increase. The amount of the price increase will depend on the reason for the filing and your auto insurance provider.
That’s why it’s crucial for you to compare car insurance quotes online to find the cheapest policy available.
A licensed insurance broker app, Jerry will help you find the cheapest rate, even if you have a bad driving record. Bonus—Jerry will eliminate the hassle of switching providers by completing the paperwork for you and canceling your old policy.
Keep reading to learn more about SR-22 and FR-44 filings, how to obtain these certificates of responsibility in the state of Florida, and how to keep your SR-22 and FR-44 insurance premiums down so that you can get back on the road without breaking the bank.
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What is an SR-22 in Florida?

An SR-22 in Florida is legal proof that a driver carries the state’s minimum amount of liability insurance in addition to personal injury protection (PIP) coverage.
Florida’s coverage minimums for SR-22 insurance are the following:
Property damage liability: $10,000 per accident
Bodily injury liability: $10,000 per person / $20,000 per accident
Florida is one of two states (in addition to Virginia) that requires an FR-44 filing for drivers with a DUI (driving under the influence) or DWI (driving while impaired) on their record. Florida’s coverage minimums for FR-44 (“DUI”) insurance are the following:
Property damage liability: $50,000 per accident
Bodily injury liability: $100,000 per person / $300,000 per accident

Who needs it?

You may need an SR-22 certificate in Florida if you have one of the following offenses on your record:
  • Driving without insurance
  • An at-fault accident without the minimum insurance requirements
  • Driving with a suspended license
  • Repeat traffic violations or excessive ticket record
You may need an FR-44 certificate in Florida if you have one of the following offenses on your record:
  • Driving while under the influence of alcohol or drugs
  • Causing bodily injury while driving under the influence
  • Violation of any local, state, or federal law related to the above
Key Takeaway Drivers who have been deemed “high risk” because of serious or repeated offenses must obtain SR-22 or FR-44 certificates in the state of Florida.
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How to get it

You can get an SR-22 or FR-44 certificate through your insurance provider, who will issue the document along with a policy.
Make sure you find an insurer who will send this certificate of responsibility to the state on your behalf—and renew the document for you when your policy renews—because, without it, you will lose the right to drive.
The Jerry app will search the top-50 auto insurance providers to find you the best quote for a policy in under a minute.

How much does it cost?

The cost to file an SR-22 or FR-44 certificate in Florida is usually $15. The real expense involved with an SR-22 or FR-44 is the increased premiums that go along with it.
Just how much your premiums will increase depends on your auto insurance provider and the interplay of the following elements:
  • Number and type of prior convictions
  • Driving amount
  • Vehicle age and type
  • Age
  • Marital status
  • Location
  • Education level
  • Occupation

How an SR-22 impacts your insurance in Florida

An SR-44 or FR-44 filing in Florida will raise your insurance premiums, but there are a few ways of controlling the expenses involved:
  • Shop around: Because different providers will calculate your premiums using different formulas, it pays to shop around for a cheap car insurance policy. Jerry will automatically compare quotes from the top 50 insurance companies in the nation to find you the best price for your SR-22/FR-44 insurance.
  • Only get the coverage you need: Reduce your costs by holding only the minimum liability insurance required by your state.
  • Change the way you drive: Drive less, drive a cheaper vehicle, or drive a car that is not registered under your name so that you can pay for one of the cheaper SR-22/FR-44 options, such as the non-owner’s certificate.
  • Check for discounts: Sometimes you can reduce your premiums by taking a DUI or defensive driver course or by paying in full for your policy up front. However, you might not get a discount for lump-sum payments for an FR-44, which automatically prohibits you from choosing a monthly premium option.
Typically, after three consecutive years of maintaining an SR-22/FR-44 on your policy, the endorsement requirement will be lifted and your premiums will go back down. But don’t let your coverage lapse—doing so can cause you to lose your license and start the process over again.
Key Takeaway Save money by comparing car insurance quotes online with Jerry and obtaining the minimum coverage suitable for your driving habits.

How to find cheap car insurance

A licensed insurance broker app, Jerry will help you find cheap car insurance by obtaining quotes from all the name-brand insurance providers in under a minute. In addition to the cost savings you’ll reap, you’ll also enjoy huge time savings because Jerry will take care of the paperwork, cancel your old policy, and even find you new competitive quotes from insurers before your policy auto-renews.
“When I switched insurance companies years ago, the new one forgot to cancel my old policy and to file my SR-22, which caused my license to be suspended. But not Jerry! Jerry is easy to navigate, get quotes, and cancel your old policy all in one app.”—Satisfied Jerry user
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