What is SR-22 insurance?
An SR-22 is a certificate your insurance company files with the FLHSMV confirming you carry at least Florida's minimum required liability coverage. It's most often required after violations like driving without insurance, certain moving violations, or license reinstatement following a suspension unrelated to DUI.
SR-22 vs. FR-44: what's the difference?
| Factor | SR-22 | FR-44 |
|---|---|---|
| Required liability limits | Florida's standard minimums | Higher than standard minimums |
| Common trigger | Uninsured driving, license reinstatement, certain violations | DUI/DWI conviction |
| Typical filing period | Varies by case, often 3 years | Typically 3 years, no lapses |
| Cost impact | Moderate increase | Larger increase due to higher limits + risk profile |
In short: FR-44 is reserved for DUI-related cases and requires more coverage than SR-22. If your notice from the court or FLHSMV specifically says "FR-44," standard SR-22 coverage limits won't satisfy the requirement — see our full FR-44 guide for details.
Who needs SR-22 insurance in Florida?
- Drivers reinstating a license after certain suspensions
- Drivers cited for driving without insurance
- Drivers with certain repeat moving violations
- Drivers ordered by a Florida court to file proof of financial responsibility
How to get SR-22 coverage
Not every insurer offers SR-22 filings, and pricing can vary significantly between carriers. We compare multiple Florida-licensed insurers to help you find SR-22 coverage that fits your budget, and we file the certificate electronically once your policy is active.