Official Florida Guide

Florida SR-22 Insurance

A complete roadmap to satisfying Florida FLHSMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

10/20/10

$10k BI / $20k Total / $10k PD

Mandate Term

3 Years

Standard from date of suspension

Filing Fee

~$15 - $30

One-time administrative cost

How Florida SR-22 Filing Works

In Florida, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). It serves as proof that you carry the state-mandated minimum liability insurance required to restore your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period.

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Who Needs to File in FL?

Uninsured Accident: Being at-fault in an accident without carrying the required liability insurance.
Point Accumulation: Gaining excessive demerit points on your driving record within a specific timeframe.
Non-DUI Suspensions: Administrative suspensions resulting from serious traffic violations or financial responsibility failures.
SR-22 vs FR-44: While SR-22 covers most violations, DUI offenses in Florida require a much higher limit FR-44 filing.

Don't Own a Car in Florida?

You can still get reinstated! A Florida Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the FLHSMV requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The FL Reinstatement Timeline

Verify Status

Access the FLHSMV 'MyDMV Portal' to check your driver license status and specific reinstatement requirements.

Secure SR-22

Purchase a policy with 10/20/10 limits. Your insurance carrier will e-file the certificate directly to the state database.

Pay Reinstatement Fees

Pay the mandatory fees online or at a local Tax Collector office to clear the administrative hold on your license.

Status Valid

Once the SR-22 is processed and the fee is paid, your license status returns to 'Valid'.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Florida:

First Offense

Suspension Extension

Court Fines

Up to $500 + Surcharges

SR-22 Period

3-Year Clock Resets

Registration

Vehicle Registration Revocation

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Florida Filing FAQs

How much is the filing fee in Florida?

Most insurance carriers charge a one-time fee of $15-$30 to electronically file the certificate with the FLHSMV. This is separate from your monthly premium.

Can I drive out of state with a FL SR-22?

Yes. Your Florida SR-22 is valid nationwide. You must maintain the Florida-mandated limits (10/20/10) to remain compliant with state law.

What is the difference between SR-22 and FR-44?

SR-22 is for standard high-risk cases with lower limits. FR-44 is required for DUI offenses and mandates significantly higher limits (100/300/50).

Can I get a Non-Owner policy in FL?

Yes, Florida allows Non-Owner SR-22 filings. It is the most affordable route to reinstatement for drivers who do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Florida law requires insurers to notify the state immediately (via SR-26) if your policy lapses, which triggers an automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the FLHSMV to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

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