What is Florida SR-22 Insurance?

If you want to drive after a serious offense, your insurer may need to file an SR-22 that certifies you have adequate coverage.
Written by Cameron Thiessen
Reviewed by Jessica Barrett
Drivers who have been convicted of a serious driving violation in Florida will need to have their insurance company fill out an
or FR-44 form. If you have an SR-22 or FR-44 on your insurance record, insurance companies might decline service or raise your premium.
Serious mistakes have serious consequences, and the impact of having an SR-22 or FR-44 filed after an offense can be long-lasting and expensive. You’ll usually pay more for insurance—and some companies may even be hesitant to offer you an insurance policy because of the high risk level.
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What is Florida SR-22 insurance?

An SR-22 form—or SR-22 certificate—is a certificate of financial responsibility that must be filed by a car insurance company on behalf of Florida drivers who have been convicted of a major traffic violation, such as:
  • Driving without insurance
  • Driving with a suspended license
  • Reckless driving
Drivers who need an SR-22 or FR-44 will likely have to pay more for their car insurance premiums and may be considered too high-risk for standard insurance companies to cover. The severity of your offense will determine how long this form remains filed.

SR-22 vs FR-44 insurance

Any drug or alcohol-related offenses in Florida will require an FR-44 filing, which is similar to an SR-22. An FR-44 certificate is an acknowledgment of financial responsibility, confirming with the state government that you have met the mandatory
Florida minimum car insurance requirements
, including
personal injury protection (PIP)

SR-22 and FR-44 requirements in Florida

Here are the mandatory
liability coverage
amounts you need for SR-22 insurance in the state of Florida:
  • Property damage liability: $10,000 per accident
  • Bodily injury liability: $10,000 per person / $20,000 per accident
Minimums for minimum liability insurance increase if you need FR-44 insurance:
  • Property damage liability: $50,000 per accident
  • Bodily injury liability: $100,000 per person / $300,000 per accident

How much does Florida SR-22 insurance cost?

The filing fee for an SR-22 is usually only $15, but the real costs you’ll have to deal with are higher car insurance rates. The amount your premium increases will be based on several factors, including:
  • Number and type of prior convictions
  • Driving amount
  • Vehicle age and type
  • Age
  • Marital status
  • Location
  • Education level
  • Occupation

How to get an SR-22 in Florida

To get an SR-22 form filed in Florida, you’ll need to buy car insurance and have your insurance company file the form with your policy. This means you’ll have to find an insurer that is willing to take you on—even if you are a
high-risk driver
You’ll likely need to shop around to find a good rate. An insurance comparison app like
can help by sorting through dozens of policies to find you the best deals on the coverage you need in seconds.

Getting non-owner SR-22 insurance

If you are convicted of a major driving offense, you could face license suspension for a set period. You may need an SR-22 certificate before you can get your license back—and you may even lose your driving privileges if you can’t get an insurance company to file one for you. 
Of course, if you don’t have a vehicle to insure, this can be a bit of a catch-22.
The best solution is to get
non-owner SR-22 car insurance
, which will cover you when renting or borrowing vehicles. You can attach an SR-22 to a non-owner policy and perhaps even speed up the time it takes to get your license back.

How to save money on Florida SR-22 car insurance

Having to file an SR-22 policy might make you feel a bit trapped, but there are still plenty of ways that you can find affordable car insurance. Here are some top tips for finding insurance savings.

Shop around

Different providers use different policies, formulas, and algorithms to assess car insurance premiums for different individuals, so it pays to shop around and compare. Unfortunately, doing this manually can take a lot of time.
Luckily, the
app is built to do a thorough job of this task for you. Jerry sifts through quotes from dozens of providers and sends the best deals straight to your phone—saving you time and money.

Only get the coverage you need

If you only purchase the state minimum amounts of car insurance, you’ll save money on the extra costs of additional coverage. Note that this can leave you open to repair costs if you get into an accident and your vehicle isn’t covered by
collision insurance

Change your driving habits

Driving less, driving a more affordable car, and generally striving for a
clean driving record
are all great ways to achieve long-term savings.
“I have a really bad record, so all of my previous insurance quotes were pretty high. I started using
and the fantastic app saved me $130 a month on my insurance.” —Jett A.
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