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Florida SR22 and FR44 Insurance

Written by Michele Wilmonen. Posted in Research Last Updated: 12/24/2014

Florida SR22 insurance is not the only Certificate of Financial Responsibility in the state.

florida sr22 insurance

You don’t have to choose between Florida SR22 insurance and Florida FR44 insurance, you will be told which one you need.

Depending on what driving troubles you have found yourself in, you may be required by the state of Florida to either have Florida SR22 insurance or Florida FR44 insurance.

So what’s the difference between these two insurance filings?

SR22 insurance is required in the state of Florida if you have been:

  • Caught driving without Florida car insurance
  • Caused a car accident and did not have Florida car insurance
  • Failed to satisfy a court judgment that resulted from an accident

FR44 insurance is a much more serious insurance filing and is required if you have been:

  • Convicted of driving under the influence

Additional Florida Car Insurance Coverage

In addition to purchasing SR22 insurance, you also have to carry a minimum amount of car insurance. For a Florida SR22, the minimum amount of car insurance is:

  • $10,000/$20,000 bodily injury
  • $10,000 property damage coverage

A Florida FR44 filing, however, requires a much higher base insurance coverage than an SR22 or even state minimum requirements. Because of the underlying reason of having to have an FR44 filing in Florida, you now have to carry:

  • $100,000/$300,000 bodily injury coverage
  • $50,000 in property damage coverage

The Cost of SR22 Insurance in Florida

Just like with regular car insurance, the cost of Florida SR22 insurance and FR44 insurance will vary from one insurance company to another. So when you are calling around for Florida SR22 insurance quotes don’t agree to purchase the first quote you receive. Call around to a number of different insurance companies and agencies to find which one can offer you the best premium.

Meeting the SR22 Insurance Requirements in Florida

Once you are required to have Florida SR22 auto insurance or FR44 auto insurance you usually have to keep it active for three years. Three years is the general requirement, but depending on the circumstances of why you have to have it, the amount of time can be more or less. You will be advised as to how long you will need to keep it, so don’t worry about having to guess.

In addition to making sure you have your Florida SR22 insurance and Florida FR44 insurance, your car insurance agent will be able to help you meet all other requirements, as well as submit the required electronic filings to the state of Florida for you.


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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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