Florida SR22 Insurance

SR22 Insurance in Florida

SR22 Insurance FlorideAn SR22 insurance policy is required by any driver in the state of Florida who has been deemed to be high risk. This form, which must be submitted to the state Department of Highway Safety and Motor Vehicles (HSMV) by your insurance carrier, provides the state with proof that you are maintaining financial responsibility by carrying an auto insurance policy that meets Florida’ minimum liability requirements. A driver is generally classified as high risk if he is convicted of certain driving-related offenses.

Offenses that Require Florida SR22 Insurance

Not all traffic violations result in the need for SR22 insurance, but any offense that results in the suspension of driving privileges will almost always require such a filing. Some of the offenses that can lead to the need for SR22 insurance include:

Causing an accident while uninsured

Failing to satisfy a court judgement that resulted from an accident

Failure to provide proof of insurance when stopped for a traffic violation

If you are convicted of driving under the influence in the state of Florida, you will be required to obtain the much more stringent SR44 insurance.

Types of SR22 Insurance in Florida

There are three types of SR22 insurance available in Florida, depending on your personal circumstances. The owner’s certificate covers liability for any vehicle owned by the covered driver, whether or not he drives the car. An operator’s certificate covers the driver if he does not own his own vehicle but is driving one owned by someone else. Finally, an owner-operator’s certificate covers all vehicles the driver may operate, both those owned by him and those owned by others. You should discuss the type of driving you do with your insurance agent in order to determine which certificate you will need to file with the state.

Maintaining SR22 Coverage

Any driver who has been notified of the need for SR22 insurance must ensure that this form is filed with the state of Florida within 30 days of notification. It is also the responsibility of the driver to ensure that the form is filed each time the policy renews throughout the duration of the SR22 requirement, which is typically 36 months from the date of suspension. The state of Florida does not notify drivers that a renewal date is approaching. Failure to maintain a current SR22 certificate will result in automatic suspension of your driver’s license.

Obtaining Coverage After the Fact

The state of Florida will allow driver’s to avoid license suspension for causing an accident without adequate insurance coverage. In order to do so, you must meet the following conditions:

You must pay any fines imposed due to the accident.

You must obtain a Florida SR22 insurance policy and file notice with the state.

You must come to an agreement for restitution with all involved parties and obtain signatures attesting to such.

All of this must be completed before the suspension date listed in the inquiry notice sent to you by the Florida flhsmv

Moving To or From Florida with an SR22

Whether you are a Florida resident moving out of state or are moving into Florida from another location, you will be required to maintain an SR22 filing in the state that imposed that requirement. Florida residents must ensure that the policy in their new state of residence meets the minimum liability requirements of Florida, which are:

$10,000 bodily injury per person per accident

$10,000 property damage per accident

If you are travelling in the state of Florida and cause an accident, you will need to have your insurance company certify in writing that your out-of-state insurance policy complies with the minimum requirements in Florida. Failure to do so can result in your Florida driving privileges being suspended, which may or may not affect your license status in your home state.

SR22 insurance is meant to provide Florida residents with the assurance that every driver on the road has insurance coverage that at least meets the state’s minimum requirements. High risk drivers who have demonstrated an unwillingness to do this on their own will be forced by the state to provide proof of adequate coverage through an SR22 filing.

Share Button

State Info

BAC Calculator


BAC Calculator

Is Your Blood Alcohol Content Too High to Drive?
BAC Calculator

State Map

US Map
SR22 Insurance New Jersey SR22 Insurance Washington DC SR22 Insurance Maryland SR22 Insurance Delaware SR22 Insurance New Jersey SR22 Insurance Connecticut SR22 Insurance Connecticut SR22 Insurance Rhode Island SR22 Insurance Massachusetts SR22 Insurance Vermont SR22 Insurance Vermont SR22 Insurance New Hampshire SR22 Insurance Maine SR22 Insurance New York SR22 Insurance Pennsylvania SR22 Insurance Virginia SR22 Insurance West Virginia SR22 Insurance North Carolina SR22 Insurance South Carolina SR22 Insurance Florida SR22 Insurance Georgia SR22 Insurance Alabama SR22 Insurance Mississippi SR22 Insurance Tennessee SR22 Insurance Kentucky SR22 Insurance Ohio SR22 Insurance Indiana SR22 Insurance Michigan SR22 Insurance Illinois SR22 Insurance Wisconsin SR22 Insurance Minnesota SR22 Insurance Iowa SR22 Insurance Missouri SR22 Insurance Arkansas SR22 Insurance Louisiana SR22 Insurance Hawaii AK SR22 Insurance Texas SR22 Insurance Oklahoma SR22 Insurance Kansas SR22 Insurance Nebraska SR22 Insurance South Dakota SR22 Insurance North Dakota SR22 Insurance New Mexico SR22 Insurance Colorado SR22 Insurance Arizona SR22 Insurance Utah SR22 Insurance Wyoming SR22 Insurance Montana SR22 Insurance Nevada SR22 Insurance Idaho SR22 Insurance California SR22 Insurance Oregon SR22 Insurance Washington

Our Services

Your One Stop Shop for Cheap SR22 Insurance Quotes, Rates, Policies, Advice & More for Your Car. We Cover Most SR-22 Insurance Needs: Non-Owner, DUI, DWI, OUI, OVWI, FR44, & More! Get a Quote for Your Auto Today & Save $100's. We Strive to provide the Cheapest SR22 insurance cost WITH the Highest Quality Service!
Visit Us On FacebookVisit Us On TwitterVisit Us On Google PlusVisit Us On PinterestCheck Our Feed