Florida has a unique circumstance compared to other states. Here’s what you need to know about SR-22s and FR-44s in Florida.
When You’ll Need One
Florida requires you to have property damage liability and personal injury protection (PIP) coverage (you can check out our guide to auto insurance in Florida for more information). If you are convicted of a moving violation like driving without a valid license or proof of insurance, or if you have repeated traffic offenses, you might be required to file an SR-22. The Driver’s License Department will suspend your registration and driver’s license.2
If you neglect to purchase minimum coverage and injure another party in an accident, the Florida Highway Safety and Motor Vehicles Department requires you to:
- Purchase and maintain minimum limits. In Florida, that equals $10,000 property damage liability per crash and $10,000 PIP per person per crash. After you purchase an insurance policy, you will need to file an SR-22 form for three years from your suspension date through your insurance company.
- Obtain releases from the other parties for their property damage and bodily injuries, or post a security deposit with the department in the amount listed on your suspension notice.
Unlike most states, Florida requires an FR-44 for DUI convictions — not an SR-22, as with other accidents. For convictions after Oct. 1, 2007, you must obtain an FR-44 form providing bodily injury liability coverage of $100,000 per person and $300,000 per accident and property damage liability of $50,000.3 These requirements apply to both in-state and out-of-state drivers. Note that this is more than the minimum coverage requirement in Florida, reflecting the severity of the conviction. Anyone convicted of an alcohol-related offense before Oct. 1, 2007, requires an SR-22.
In the event of multiple offenses, your insurance company will not need to report an SR-22 and an FR-44 for the same person. Rather, an FR-44 will cover both limits. Whichever one you need, you must file it within 15 working days of issuance.
How to Submit an SR-22 in Florida
Your insurance company needs to file the SR-22 or FR-44 on your behalf. To get an SR-22 or FR-44 form, you first need to purchase the required coverage from a provider. When you’re comparing quotes from different companies, be sure to confirm that they can file the form for you. After you purchase your policy, contact your auto insurance company to let it know you need a certificate of financial responsibility so it can begin the process of filing on your behalf.4
Most auto insurance companies charge a one-time filing fee for SR-22 and FR-44 forms. In Florida, the average filing fee is $15.5 Florida also requires a reinstatement fee of $150, $200, or $500 if you fail to provide proof of insurance.
Most of the additional expense comes from the factors that affect your auto insurance premium. Accidents, traffic violations, and DUIs increase your premium.