SR-22 & FR-44 Insurance in Florida

If you have been told that you need an SR-22 or FR-44 in Florida, finding the right auto insurance can be confusing. These filings are often required after certain driving violations or when a driver needs to demonstrate financial responsibility before maintaining or restoring driving privileges.

Davis & Davis Insurance helps Florida drivers find high-risk auto insurance and coverage that can accommodate SR-22 and FR-44 filing requirements. As an independent insurance agency, we can compare options from multiple insurance companies to help you find appropriate coverage at a competitive rate.

Whether you need an SR-22 after an insurance or licensing issue or an FR-44 following a DUI-related offense, our agents can help you understand your options and what steps may be required.

For drivers facing other insurance challenges, visit our Florida Non-Standard Auto Insurance page to learn about additional coverage options.

What Is SR-22 Insurance in Florida?

An SR-22 is not actually a type of insurance policy. It is a certificate filed by an insurance company that verifies a driver carries the required level of liability insurance.

Florida may require an SR-22 after certain driving, insurance, or financial-responsibility issues.

If an SR-22 is required, simply purchasing an ordinary auto policy may not be enough. You need an insurance company that can provide the appropriate coverage and submit the required filing.

Davis & Davis Insurance can help determine which of our available insurance companies can accommodate your SR-22 requirement and help you compare coverage options.

What Is FR-44 Insurance in Florida?

An FR-44 is also a financial-responsibility certificate rather than an insurance policy itself. However, an FR-44 is generally associated with certain alcohol- or drug-related driving offenses and requires substantially higher liability limits than an SR-22.

Because of the higher required limits and the circumstances that typically lead to an FR-44 requirement, insurance premiums can be significantly higher than they were before the violation.

That makes shopping among multiple insurance companies especially important.

Davis & Davis Insurance can help Florida drivers compare available FR-44 insurance options and understand the coverage needed to satisfy their filing requirement.

SR-22 vs. FR-44 in Florida: What's the Difference?

Although both are proof-of-financial-responsibility filings, an SR-22 and FR-44 are not interchangeable.

The primary differences involve why the filing is required and the amount of liability insurance that must be maintained.

In Florida, an SR-22 generally certifies liability limits of at least:

  • $10,000 bodily injury liability per person

  • $20,000 bodily injury liability per accident

  • $10,000 property damage liability

An FR-44 requires substantially higher liability limits:

  • $100,000 bodily injury liability per person

  • $300,000 bodily injury liability per accident

  • $50,000 property damage liability

The exact requirements that apply to you depend upon your individual circumstances and the requirements imposed by the State of Florida.

If you're unsure whether you need an SR-22 or FR-44, our agents can help you understand the insurance options available once you know the filing required for your situation.

Contact Davis & Davis Insurance today to discuss your situation and request an SR-22 or FR-44 insurance quote in Florida.

Who May Need an SR-22 in Florida?

An SR-22 requirement can arise from a variety of driving or financial-responsibility issues.

Depending upon the circumstances, these can include:

  • Driving without required insurance

  • Certain license suspensions

  • Accidents while uninsured

  • Failure to satisfy financial-responsibility requirements

  • Certain serious or repeated traffic violations

  • Other situations requiring proof of financial responsibility

An SR-22 requirement can make finding affordable insurance more difficult because insurers may consider the underlying driving history when determining eligibility and premium.

However, insurance companies don't all evaluate high-risk drivers in exactly the same way. Comparing carriers can therefore make a significant difference.

Who May Need an FR-44 in Florida?

Florida's FR-44 requirement is generally associated with certain convictions involving driving under the influence of alcohol or drugs.

Because an FR-44 requires much higher liability limits than Florida's basic auto insurance requirements, the resulting insurance policy may cost considerably more.

The underlying driving violation can also affect your insurance premium.

If you need an FR-44, it is especially important to work with an insurance agency familiar with high-risk auto insurance in Florida and insurers willing to handle FR-44 filings.

How Do I Get an SR-22 or FR-44 in Florida?

You don't normally obtain an SR-22 or FR-44 certificate separately from an insurance company.

Instead, you'll need an insurance policy that satisfies the applicable requirements, and the insurance company provides the necessary proof of financial responsibility.

The process generally involves:

  1. Determining whether Florida requires an SR-22 or FR-44.

  2. Finding an insurance company that accepts your driving history and can provide the required filing.

  3. Selecting the appropriate insurance coverage and limits.

  4. Purchasing the policy.

  5. Having the required certificate submitted as appropriate.

Davis & Davis Insurance can help with the insurance portion of this process by comparing available carriers and helping you obtain coverage that accommodates the required filing.

How Much Does SR-22 or FR-44 Insurance Cost in Florida?

There isn't a standard price for SR-22 or FR-44 insurance.

While there may be a filing-related fee, the much larger cost consideration is typically the auto insurance premium itself.

Your rate can be affected by factors such as:

  • The violation that resulted in the filing requirement

  • Your overall driving record

  • DUI or other serious convictions

  • Previous accidents and claims

  • Your insurance history

  • Lapses in coverage

  • Age and driving experience

  • Vehicle type

  • Where you live in Florida

  • Coverage limits

  • Deductibles and optional coverage

FR-44 policies can be particularly expensive because they require higher liability limits and are commonly associated with serious driving violations.

That's why comparing insurance companies is so important. One insurer's rate for a high-risk driver can be substantially different from another insurer's rate for the same driver.

Can I Get SR-22 or FR-44 Insurance Without Owning a Car?

Potentially.

If you don't own a vehicle but are required to maintain proof of financial responsibility, a non-owner auto insurance policy may be an option in certain situations.

Non-owner insurance is designed for eligible drivers who need liability coverage but don't own a vehicle. Depending on the circumstances, the appropriate financial-responsibility filing may be associated with that coverage.

However, non-owner insurance isn't a substitute for insuring a vehicle that you actually own.

If you don't currently own a vehicle, learn more about Non-Owner Car Insurance in Florida and how this type of policy works.

What Happens If My SR-22 or FR-44 Policy Lapses?

Maintaining continuous coverage is particularly important when you have an SR-22 or FR-44 requirement.

If the required policy is canceled or lapses, the insurance company may be required to notify the appropriate state agency that the coverage is no longer in force.

That can create additional problems with your driving privileges or financial-responsibility requirement.

If you're considering switching insurance companies while an SR-22 or FR-44 requirement is still in effect, make sure your replacement coverage is properly established so that you don't unintentionally create a lapse.

How Long Do I Need an SR-22 or FR-44 in Florida?

The amount of time you must maintain proof of financial responsibility depends on the circumstances that resulted in the requirement.

Do not assume that you can cancel the filing simply because a certain amount of time has passed.

Before removing required coverage or changing your policy, verify that you have satisfied the applicable Florida requirements. Ending coverage prematurely could result in additional licensing or financial-responsibility problems.

Can I Get Cheaper Insurance With an SR-22 or FR-44?

The violation behind an SR-22 or FR-44 can make insurance more expensive, but that doesn't mean every insurance company will quote the same price.

Insurance companies use different underwriting guidelines and rating systems. Some insurers may be more willing than others to insure drivers with certain violations or financial-responsibility requirements.

Ways to potentially control your insurance costs can include:

  • Comparing multiple insurance companies

  • Maintaining continuous insurance coverage

  • Avoiding additional tickets and accidents

  • Selecting appropriate deductibles

  • Reviewing optional coverages

  • Periodically reviewing your policy as violations become older

An independent insurance agency can be particularly useful in this situation because you aren't limited to obtaining a quote from just one insurance company.

Why Choose Davis & Davis Insurance?

Obtaining insurance after a serious driving violation can feel very different from shopping for an ordinary auto insurance policy.

At Davis & Davis Insurance, we understand that drivers sometimes have complicated insurance histories.

As an independent Florida insurance agency, we can shop among multiple available insurance companies to help find coverage for drivers who may have difficulty qualifying for standard auto insurance.

We'll help you understand your insurance options, compare available coverage and assist with finding a carrier that can accommodate an SR-22 or FR-44 requirement.

And as your driving and insurance history changes, we can continue reviewing your coverage to see whether additional insurance options become available.

Get an SR-22 or FR-44 Insurance Quote in Florida

If you need an SR-22 or FR-44 in Florida, you don't have to contact insurance company after insurance company on your own.

Let Davis & Davis Insurance help you compare your options.

We assist drivers throughout Florida, including Sarasota, Bradenton, Tampa, St. Petersburg, Orlando, Jacksonville, Miami, Naples and surrounding communities.

Contact Davis & Davis Insurance today to discuss your situation and request an SR-22 or FR-44 insurance quote in Florida.

Frequently Asked Questions About Florida SR-22 & FR-44 Insurance

Is an SR-22 an insurance policy?

No. An SR-22 is a certificate showing that a driver has insurance meeting the applicable financial-responsibility requirements. The certificate is associated with an insurance policy but is not itself a separate insurance policy.

Is an FR-44 the same as an SR-22?

No. Both provide proof of financial responsibility, but Florida's FR-44 generally applies to certain alcohol- or drug-related driving offenses and requires substantially higher liability limits than an SR-22.

Can Davis & Davis Insurance help me get an SR-22 or FR-44?

Davis & Davis Insurance can help you compare available auto insurance options from insurers that accommodate SR-22 or FR-44 filing requirements. Eligibility and pricing will depend on your individual driving and insurance history.

Can I get an SR-22 or FR-44 if I don't own a vehicle?

It may be possible to satisfy certain financial-responsibility requirements through appropriate non-owner coverage when you don't own a vehicle. Your individual circumstances and Florida's requirements determine what coverage is appropriate.

What happens if I cancel my insurance while an SR-22 or FR-44 is required?

A lapse or cancellation can result in the insurer reporting that the required coverage is no longer in force, potentially affecting your driving privileges. Verify that your filing requirement has ended before canceling required coverage.

Does an SR-22 or FR-44 make my insurance more expensive?

The filing itself isn't necessarily the primary reason for a large premium increase. The driving violation or insurance history that resulted in the filing requirement can significantly affect what insurers charge. FR-44 policies also require higher liability limits, which can contribute to higher premiums.