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New Jersey Residents
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FLORIDA SR22 INSURANCE

FLORIDA SR22 INSURANCE

FLORIDA SR22 INSURANCE

If you’ve been found to be a high-risk driver in Florida, the state may suspend your license and require you to get SR-22 insurance in order to reinstate your driving privileges. You might be considered a high-risk driver due to getting in an accident while uninsured or having too many points on your record, among other reasons.

SR-22 insurance isn’t a separate type of auto insurance, but it is an auto or motorcycle insurance policy that has an SR-22 endorsement attached. In order to reinstate your license, you need to purchase a policy that meets Florida’s required liability insurance limits, and then the insurer needs to submit an SR-22 form on your behalf.

Florida SR-22 requirements

SR-22 requirements in Florida are a little different from most other states. While most states have one form required for certain high-risk drivers that have violated laws, Florida splits it into two forms: SR-22 and FR-44.

  • SR-22 Insurance in Florida
  • FR-44 insurance in Florida
  • Difference Between an SR22 and an FR44
  • Cost of SR-22 and FR-44 insurance

SR22 Insurance in Florida

SR-22 insurance is not insurance. It is a certificate of financial responsibility that is attached to an auto policy. Your insurance company will notify your state’s DMV that you are insured. Most times, this is done same-day on in real-time electronically. Also, the filing agreement states that your auto insurer will have to notify the state if your policy cancels for any reason. So be sure always to pay your premiums on time and to drive responsibly.

SR-22 Requirements in Florida

  • $10,000 bodily injury liability per person
  • $20,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $10,000 personal injury protection

FR-44 insurance in Florida

The FR stands for financial responsibility, and it is often referred to as DUI insurance for residents of Virginia and Florida. If you are charged with a DUI, you will need an FR-44. The FR-44 form is similar to an SR-22. However, it has the additional requirement that the insured carries a minimum of $100,000 liability on the auto insurance policy. License reinstatement requires an SR22 certificate to be filed in all states. But Florida and Virginia have a separate certificate, FR44, specifically for license reinstatement after DUI and DWI convictions.

Drivers must file an FR-44 in Florida when cited for driving under the influence. The liability insurance requirements for Florida are high. The minimum liability requirements for FR44 insurance in Florida are:

SR-22 Requirements in Florida

  • $10,000 bodily injury liability per person
  • $20,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $10,000 personal injury protection

The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.

If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.

Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.

FR-44 insurance in Florida

The FR stands for financial responsibility, and it is often referred to as DUI insurance for residents of Virginia and Florida. If you are charged with a DUI, you will need an FR-44. The FR-44 form is similar to an SR-22. However, it has the additional requirement that the insured carries a minimum of $100,000 liability on the auto insurance policy. License reinstatement requires an SR22 certificate to be filed in all states. But Florida and Virginia have a separate certificate, FR44, specifically for license reinstatement after DUI and DWI convictions.

Drivers must file an FR-44 in Florida when cited for driving under the influence. The liability insurance requirements for Florida are high. The minimum liability requirements for FR44 insurance in Florida are:

FR-44 Requirements in Florida

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $10,000 personal injury protection

Difference Between an SR22 and an FR44

Virginia and Florida are the only two states that have separate high-risk insurance categories for license reinstatement. You will need an SR22 certificate for non-alcohol or drug-related motor vehicle violations. You will need an FR44 certificate for alcohol or other substance-related DUI violations.

Though similar, FR44s and SR22s are two different insurance filings, and one or the other may be required in order to retain or restore your driving privileges. In the end, understanding the difference between SR22s and FR44s can help you stay legal on the road.

When you get a DUI, only the states of Florida and Virginia require your insurance company to file an FR44. In all other states, this filing is referred to as an SR22.

An SR22 verifies that you’ll carry at least your state’s minimum liability insurance requirements for typically three years but may vary based on your violation. An FR44 differs from an SR22 in that an SR22 requires minimum liability limit insurance be carried, and an FR44 requires greater than minimum liability limits.

Virginia and Florida can also require an SR22 for non-alcohol-related offenses. You may also be required to have an SR22 in these states if you’re caught falsifying or not carrying required auto insurance.

If the DMV requires you to maintain a California SR22, your policy must cover any cars that are registered in your name and/or all cars that you routinely drive.

Cost of SR-22 and FR-44 insurance

The severity of the driving violation makes SR-22 insurance more expensive than a standard car insurance policy. It costs between $15 to $35 to file for SR-22 insurance. The extra cost comes from policy premiums based on the blemishes on your driving record that caused you to apply for SR-22 in the first place. Negative points on your record will plant you in the high-risk drivers’ category, which in turn increases your monthly payments.

In Florida, minimum FR-44 insurance coverage after a DUI costs about $1,790 per year on average, compared with an average of $1,043 for drivers with a clean record.

If you want to get cost-friendly SR-22 or FR-44 insurance, ensure you shop around between different insurers to compare their rates across the board.

If you are in need of cheap SR22 and FR44 Insurance in Florida, connect with us today. We have a 5 step quote process to streamline your search and make things easier for you. https://sr22insurance.net/sr22-insurance-quotes/

All you have to do is input specific details and we will generate your quotation right there and then. Our form will guide you through the process. You’ll get your quote fast.

No matter what you call it, our team at SR-22 Insurance is here to help. If your license was suspended due to multiple infractions, your first step will be to find an insurance company that will issue you an SR22 certificate When applying for an SR22 or FR44, your premiums can be affected anywhere from 14-40%. That’s where we come in. Our team will give you a hand through this tricky situation and find you the most affordable rates in the state for your specific case.

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