SR22 Insurance Florida: Cost, Requirements & FR44 Guide [2026]

SR22 insurance in Florida costs between $1,400 and $3,500 per year, depending on your driving record and the reason for the filing requirement. Furthermore, therefore, therefore, florida is unique because it uses both SR22 and FR44 forms — SR22 for general license reinstatement situations, and FR44 specifically for DUI/DWI convictions, which requires significantly higher liability limits. In fact, in fact, florida is a no-fault state for personal auto insurance, but SR22/FR44 requirements add traditional liability coverage on top of the state’s PIP (Personal Injury Protection) requirements. As a result, as a result, this guide covers who needs SR22 or FR44 in Florida, costs, how to file, and how to find the best rate.

What Is SR22 Insurance in Florida?

An SR22 is a Certificate of Financial Responsibility filed with the Florida Department of Highway Safety and Motor Vehicles (DHSMV). For example, for example, consequently, consequently, for DUI convictions, Florida requires the FR44 form instead, which mandates higher liability limits than SR22.

SR22 vs. FR44 in Florida

Form	When Required	Minimum Limits
SR22	License suspension (non-DUI)	10/20/10 (FL standard minimums)
FR44	DUI/DWI conviction	100/300/50 (much higher)

The FR44 requirement is one of the strictest in the nation — $100,000/$300,000/$50,000 in liability limits, which is why DUI-related insurance in Florida is significantly more expensive than in most states.

Who Needs SR22 or FR44 in Florida?

DUI/DWI Conviction — requires FR44 (not SR22) with 100/300/50 limits.

Driving Without Insurance or Registration — requires SR22 with 10/20/10 minimums.

At-Fault Accidents Without Insurance — SR22 required.

Habitual Traffic Offender designation — SR22 required for reinstatement.

License Suspension/Revocation — SR22 or FR44 depending on reason.

SR22/FR44 Insurance Costs in Florida

Scenario	Annual Premium	Increase
DUI (FR44 required)	$2,500 – $5,000+	100% – 300%
No Insurance (SR22)	$1,400 – $2,800	40% – 100%
Multiple Violations (SR22)	$2,000 – $3,500	60% – 150%

FR44 costs significantly more due to the 100/300/50 liability limits — roughly 4-5x the standard Florida minimums. Moreover, florida’s high traffic density and 20% uninsured driver rate also increase premiums.

How to Get SR22 or FR44 in Florida

Step 1: Contact an agency like Bridgeway Insurance that handles both SR22 and FR44. Step 2: Purchase policy meeting required limits. Step 3: Insurer files with Florida DHSMV. Step 4: Pay reinstatement fees. Step 5: Maintain continuous coverage for 3 years.

Non-Owner SR22/FR44 in Florida

Available if you do not own a vehicle. Therefore, therefore, therefore, non-owner FR44 (DUI) costs $800 to $2,000/year due to higher limits. Specifically, on the other hand, on the other hand, non-owner SR22 costs $300 to $800/year.

Tips for Cheaper SR22/FR44 in Florida

Shop aggressively — Florida rates vary enormously between carriers. Maintain clean record going forward. Bundle policies. Work with Bridgeway Insurance for access to multiple high-risk carriers.

SR22 Insurance Guides for Other States

SR22 requirements vary by state. In other words, in other words, explore our state-specific guides:

• SR22 Insurance Mississippi: Cost & Requirements
• SR22 Insurance Alabama: Cost & Requirements
• SR22 Insurance Louisiana: Cost & Requirements
• SR22 Insurance Tennessee: Cost & Requirements
• SR22 Insurance North Carolina: Cost & Requirements
• SR22 Insurance Wyoming: Cost & Requirements

Related Insurance Resources

Need auto insurance beyond SR22? Consequently, consequently, check out our commercial auto insurance guide for Florida. Meanwhile, meanwhile, notably, notably, bridgeway also provides personal auto insurance, commercial insurance, and full-service agency support. Get a free SR22 quote today.

Helpful SR22 & DMV Resources

• Florida DHSMV
• Insurance Information Institute — Auto Insurance Facts
• NHTSA — Impaired Driving Resources
• NAIC — Auto Insurance Consumer Guide
• DMV.org — SR22 Insurance Guide

Frequently Asked Questions About SR22 Insurance in Florida

Does Florida use SR22 or FR44 for DUI?

Florida uses FR44 for DUI/DWI convictions, which requires 100/300/50 liability limits — much higher than standard SR22.

How long is SR22/FR44 required in Florida?

3 years from reinstatement for both SR22 and FR44.

Why is FR44 so expensive in Florida?

FR44 requires 100/300/50 limits — roughly 10x Florida’s standard 10/20/10 minimums. However, the high coverage requirement drives the cost.

Can I switch carriers during my filing period?

Yes, with no gap in coverage.

What happens if my SR22/FR44 lapses?

Immediate license suspension, potential period restart, and Florida vehicle registration suspension.

Is Florida no-fault for SR22 drivers?

Florida’s PIP no-fault rules still apply. SR22/FR44 adds traditional liability coverage on top of PIP requirements.

Can I get SR22/FR44 online in Florida?

Yes. On the other hand, on the other hand, on the other hand, bridgeway Insurance handles quotes and filing online or by phone.

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Get SR22/FR44 Insurance in Florida

Bridgeway Insurance helps Florida drivers find affordable SR22 and FR44 coverage. In particular, additionally, additionally, we shop multiple carriers for the best rates.

Call 877-418-2484 or request a free quote.

Bridgeway Insurance Agency | Bay Saint Louis, MS | Serving MS, AL, LA, TN, FL, NC & WY