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Florida SR22 Insurance

Florida SR22 Insurance

SR22 Insurance in Florida

SR22 isn’t technically insurance – it’s a certificate of responsibility. This certificate of Financial Responsibility is vital for those who have been deemed risky drivers. In fact, if they don’t carry it, they will be reported to the state and lose their right to drive. These high-risk drivers are required to carry SR22 to prove they have the minimum requirement of Florida insurance.

The state decides if an SR-22 form needs to be taken if the individual is involved in any of the following driving misdemeanors:

  • Driving Under Influence (DUI)
  • Reckless driving
  • Causing accidents in an uninsured vehicle
  • Failing to satisfy a court judgment that resulted from an accident
  • Failure to provide proof of insurance when stopped for a traffic violation

Generally, the Motor Vehicle Department of the State sends out a notification if an SR22 insurance Florida is required. So, if you have not been the recipient of any such information, then it is safe to assume that you do not need to get SR22 insurance.

Types of SR-22 Policies in Florida

  1. Auto Owner Policy – which is a standard auto insurance policy which covers a driver on their owned personal vehicle
  2. Non Owners or Operator policy – is an auto insurance policy which covers a driver for vehicles that they don’t own. A driver who does not have a vehicle registered in their name may purchase a Non-owner policy. Non-owner policies cost far less and carry significantly lower premiums, while still meeting compliance for all SR-22 and FR44 requirements.
  3. Motorcycle Policy – A standard motorcycle insurance policy with an SR-22 filing attached.

How Do I Maintain Coverage?

Any driver who has been notified of the need for SR22 insurance must ensure that this form is filed with the state within 30 days of notification. It is also the responsibility of the driver to ensure that the form is filed each time the policy renews throughout the duration of the SR22 requirement, which is typically 36 months from the date of suspension. The state does not notify drivers that a renewal date is approaching and failure to maintain a current SR22 certificate will result in automatic suspension of your driver’s license. A suspended license may mean you are forced to take public transportation or catch a ride with a friend.

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.

How much does an SR-22 cost in Florida?

Filing for an SR-22 requires a nominal fee of $15 to $25. The bigger cost, however, is the higher policy premiums that will likely result from an SR-22’s impact on your driving record. Marks on your driving records typically place you in a high-risk pool of drivers, which increases your monthly premium. Insurers may also require you purchase a year’s worth of coverage up front, rather than pay monthly.

What if I am Moving to or From Florida?

Whether you are a resident moving out of state or are moving to Florida from another location, you will be required to maintain the proper filing in the state that imposed that requirement. Residents must ensure that the policy in their new state of residence meets the minimum liability insurance requirements, which are:

  • $10,000 of bodily injury coverage per person in an accident
  • $20,000 of bodily injury coverage per accident
  • $10,000 of property damage coverage per accident

FR44 Insurance in Florida

An FR-44 insurance policy is similar to an SR-22, in that it’s an auto insurance policy with an endorsement. The insurer electronically files a certificate of financial responsibility with the state of Florida to show proof that you’re carrying the required liability insurance coverage. And if there’s a lapse in coverage, such as if your policy is canceled or lapses due to nonpayment, your insurer must notify the state that coverage is no longer in place.

However, FR-44 insurance is generally only required if you’ve been found guilty of driving under the influence (a DUI) or driving while intoxicated (a DWI), as you’re considered a higher-risk driver. Therefore, FR-44 insurance is sometimes referred to as “DUI insurance.” DUI convictions are considered quite serious, and the liability insurance requirements for FR-44 insurance in Florida are significantly greater than those for SR-22 insurance. In addition to PIP (personal injury protection) coverage, you’ll need to have a policy with liability limits of at least:

  • $100,000 of bodily injury liability coverage per person injured in an accident
  • $300,000 of bodily injury liability coverage per accident
  • $50,000 of property damage liability coverage per accident

Florida SR22 Insurance Page Updated 7/20/2020
We operate in all 50 states. No matter where you live, we can help you find great SR22 insurance.

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