SR-22 and FR-44 insurance in Florida
An SR-22 is not a type of insurance. It is proof your insurance company gives the State of Florida that you carry the liability coverage required to get your license back. An FR-44 is similar, with higher limits, after a DUI conviction. You buy a policy, and the insurance company handles the filing.
At a glance
- SR-22 limits
- $10,000 / $20,000 / $10,000
- FR-44 limits
- $100,000 / $300,000 / $50,000
- How long
- Often 3 years, depending on the reason
- Languages
- English and Spanish
What is an SR-22 in Florida?
An SR-22 is proof of insurance. The policy provides the coverage, and the filing tells the state that the policy is in place.
- Who sends it: Your insurance company notifies the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). See Fla. Stat. 324.091 (opens in a new tab).
- What it shows: That you carry the required liability coverage for injuries and property damage you cause to others.
- What it does not do: It does not add coverage for your own car or your own injuries. Ask what the policy itself includes.
You won't find "SR-22" or "FR-44" in the statutes, which say "proof of financial responsibility." These are the names people and insurers use for that proof.
Sources, checked November 4, 2026
Who needs an SR-22 in Florida?
The state tells you when proof is required, usually in a notice about a suspension or revocation. Read your notice first, because the reason changes what you need.
- After certain crashes: If you did not have liability coverage and no exception applies, your license and registrations can be suspended. See Fla. Stat. 324.051 (opens in a new tab).
- After a suspension or revocation for driving offenses: Florida requires proof before reinstatement. See Fla. Stat. 324.072 (opens in a new tab).
- After an unpaid crash judgment: The judgment and proof of responsibility both matter. See Fla. Stat. 324.131 (opens in a new tab).
- After your insurance lapsed: This has its own rule, with proof on a state form and a reinstatement fee. See Fla. Stat. 324.0221 (opens in a new tab).
- After a DUI conviction: You will likely need an FR-44 instead. See the section below.
Sources, checked November 4, 2026
How much coverage does an SR-22 require?
Proof of financial responsibility in Florida starts at $10,000 for one person, $20,000 per crash and $10,000 for property damage, under Fla. Stat. 324.021 (opens in a new tab).
| Liability coverage | SR-22 | FR-44 |
|---|---|---|
| Injury or death, one person | $10,000 | $100,000 |
| Injury or death, two or more people | $20,000 | $300,000 |
| Property damage | $10,000 | $50,000 |
Florida's usual requirement to register a car is personal injury protection (PIP) and property damage liability. It does not include bodily injury liability, so your current policy may need to change. See car insurance in Florida.
What is an FR-44, and how is it different from an SR-22?
An FR-44 is the proof used after a DUI conviction. The difference is the limits: they are much higher, and you must keep them for at least 3 years.
- Who it applies to: Owners and operators found guilty of DUI, or who pleaded guilty or no contest, after October 1, 2007. See Fla. Stat. 324.023 (opens in a new tab), which also has an exception worth asking about.
- Getting a policy: Insurers writing car insurance in Florida must make certain policies available to people reinstating after a DUI or a lapse in coverage, subject to their usual underwriting rules. These policies run at least 6 months. See Fla. Stat. 627.7275 (opens in a new tab).
Sources, checked November 4, 2026
How long do you need an SR-22 or FR-44 in Florida?
Often 3 years, but it depends on why it was required. Go by your notice, or ask FLHSMV for your date.
| Reason | What the statute says | Section |
|---|---|---|
| DUI conviction (FR-44) | Higher limits for at least 3 years | 324.023 |
| Unpaid crash judgment | Proof kept for 3 years | 324.131 |
| Lapse in required insurance | Proof kept for 2 years | 324.0221 |
| Certain crashes without coverage | Suspended for 3 years unless reinstated as the law allows | 324.051 |
| Other suspensions or revocations | Give and keep proof, with no end date in the section | 324.072 |
Don't drop the policy because you think the time is up. Confirm the date with FLHSMV first, then talk to your agent.
Sources, checked November 4, 2026
- Fla. Stat. 324.023, higher limits after DUI (opens in a new tab)
- Fla. Stat. 324.131, unpaid judgments (opens in a new tab)
- Fla. Stat. 324.0221, lapse in required insurance (opens in a new tab)
- Fla. Stat. 324.051, suspension after certain crashes (opens in a new tab)
- Fla. Stat. 324.072, proof after suspension or revocation (opens in a new tab)
What happens if your policy cancels during that time?
The state can find out and suspend your license again, so talk to your agent before a policy ends.
- Notice to the state: A policy bought to restore a license or registration can't be canceled by the insurer without 10 days' notice to the state and to you. See Fla. Stat. 324.181 (opens in a new tab).
- Possible suspension: If the required PIP and property damage coverage is canceled, the state must suspend your license and registration after notice and a chance to be heard. See Fla. Stat. 324.0221 (opens in a new tab).
- Changing companies: Ask your agent to set up the new policy and filing before the old policy ends.
Can you get an SR-22 if you don't own a car?
Florida law recognizes an operator's policy, which insures you when you drive a vehicle you don't own. Whether it meets your requirement depends on your case.
An operator's policy (opens in a new tab) is often called a non-owner policy. If a vehicle is registered in your name, tell your agent, because Fla. Stat. 324.072 (opens in a new tab) can require proof for all vehicles registered to you. Not every company offers this policy.
Does an SR-22 give you your license back?
Not by itself. The filing is proof of insurance, and FLHSMV decides on your license, which can involve other steps and fees.
- License service fee: $45 after a suspension or $75 after a revocation, plus $130 more for DUI or refusing a test. See Fla. Stat. 322.21 (opens in a new tab).
- Insurance lapse: $150 for the first reinstatement, $250 for the second and $500 for later ones within 3 years. See Fla. Stat. 324.0221 (opens in a new tab).
- Your case: Your notice or FLHSMV can tell you what else applies, such as a waiting period, a hearing or a course.
How much does SR-22 insurance cost in Florida?
There is no standard price, because each insurer looks at your record and the reason for the filing.
The reason
A DUI, a crash, a lapse or another suspension.
Driving record
Your tickets, crashes and claims.
Limits
FR-44 limits are higher than SR-22 limits.
Your vehicle
Or whether you need a policy without one.
Where you live
Your ZIP code and where the car is kept.
Filing fee
Ask whether the insurance company charges one.
What to have ready for a quote
These details help a licensed agent review your case. Please don't send your license number, Social Security number or bank details by WhatsApp.
- Your notice from FLHSMV or the court, and any deadline on it
- The reason you were told you need an SR-22 or FR-44
- Whether a vehicle is registered in your name
- Your current or last insurance company
- Who else lives with you and drives your car
Questions about SR-22 and FR-44 insurance
How much is SR-22 insurance in Florida?
There is no standard price. Insurers look at the reason for the filing, your driving record, your vehicle, your ZIP code and the limits you need. FR-44 limits are higher than SR-22 limits. The way to know is to get quotes based on your own record. Ask whether the insurance company charges a filing fee.
Who has the cheapest SR-22 insurance in Florida?
No company is the lowest for every driver, because each one weighs your record differently and some don't take every case. The way to find out is to compare quotes for your situation. We are an independent agency, so a licensed agent can check more than one company for you.
How long do I need an SR-22 in Florida?
Often 3 years, but it depends on the reason. Florida law says 3 years after an unpaid crash judgment and 2 years after a lapse in required insurance, and other cases vary. Go by your notice or ask FLHSMV for your date before you drop the policy.
How do I get rid of an SR-22 in Florida?
Keep the coverage until the required period ends. Confirm the date with FLHSMV, then tell your agent so the policy can be changed. If the policy ends too early, the state can suspend your license again. A filing you no longer need does not change your duty to carry the insurance Florida requires.
How long do I have to carry FR-44 insurance in Florida?
Florida law requires the higher limits for at least 3 years after a DUI conviction covered by section 324.023, which also has an exception. The limits are $100,000 per person, $300,000 per crash and $50,000 for property damage. Ask FLHSMV to confirm your date.
What is the difference between an SR-22 and an FR-44 in Florida?
Both are proof of insurance sent to the state by your insurance company. An SR-22 shows limits of at least $10,000, $20,000 and $10,000. An FR-44 is used after a DUI conviction and shows at least $100,000, $300,000 and $50,000. Your notice tells you which one applies.
How do you get an SR-22 if you don't own a car?
Ask about an operator's policy, often called a non-owner policy. Florida law recognizes this type of policy, which insures you when you drive a vehicle you don't own. If a vehicle is registered in your name, tell your agent, because the rules may require proof for it. Not every company offers this.
Can I buy insurance if my license is suspended?
Often yes. Florida law requires insurers to make certain policies available to people reinstating after a DUI or a lapse in coverage, subject to their usual underwriting rules. Buying a policy does not by itself let you drive. FLHSMV decides on your license, so check your notice.
What happens if I stop paying my SR-22 policy?
The policy can be canceled, and the state can be told. A policy bought to restore a license or registration can't be canceled by the insurer without 10 days' notice to the state and to you. Your license can be suspended again, so call your agent before a policy ends.
What insurance companies offer FR-44 in Florida?
It varies, and companies can change what they accept. Insurers can apply their usual underwriting rules, so one company may decline a case that another takes. We are an independent agency, so tell us about your case and a licensed agent can check which companies may be able to help.
This page is general information, not legal advice or a coverage recommendation. Rules depend on your case; check your notice, FLHSMV or an attorney. A licensed Assure US agent will review your insurance options.
Need an SR-22 or FR-44?
Tell us what your notice says. A licensed Assure US agent reviews your case and walks you through the options, in English or Spanish.