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An SR-22 in Florida is a certificate proving that a high-risk driver has the legal requirements for car insurance in Florida. So-called SR-22 insurance raises annual car insurance premiums by roughly $43 in Florida, compared to standard rates. In addition, there's usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
Your SR-22 must be maintained with Florida's licensing agency for 3 years, according to Florida law. If your insurance coverage lapses during that time, your insurance company is required to report you to the state. Your SR-22 period resets in that case, and you are required to pay any SR-22 related fees again.
What You Need to Know About SR-22 Insurance in Florida:
- Who Needs SR-22 Insurance in Florida? Florida requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes reckless driving, hit and run, and DUI, among other major offenses.
- How Much Does SR-22 Insurance Raise Premiums in Florida? An SR-22 in Florida increases car insurance costs by approximately $43. That is roughly 5% more than the average Florida resident pays for car insurance. The increase is proportionate to your traffic violation - multiple DUIs will raise rates more than your first speeding ticket.
- What is Minimum SR-22 Car Insurance Coverage in Florida: Drivers need bodily injury insurance of at least $10,000 in bodily injury liability insurance ($20,000 per accident), plus $10,000 in property damage liability insurance. Drivers also need at least $10,000 in personal injury protection (PIP).
- How to File SR-22 Documentation in Florida: Your insurance company will file the SR-22 certificate with the state for you. For the next 3 years, you need to keep your insurance policy active with no lapse in coverage.
Summary: SR-22 Insurance in Florida
SR-22 Needed After | Serious traffic violation and/or license suspension |
Required For | 3 years |
Average Cost Increase | $43 |
Min. Bodily Injury Liability Coverage | $10,000 / $20,000 SR22 $100K / $300K FR44 |
Min. Property Damage Liability Coverage | $10,000 SR22 / $50,000 FR44 |
Additional Coverage Needed | $10,000 in PIP |
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