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SR-22 in Florida: Fees, Minimum Coverage and How Long
The short answer
In Florida, an SR-22 is a certificate your insurance company files with the Florida Department of Highway Safety and Motor Vehicles to prove you carry at least the state minimum liability insurance of $10,000 per person and $20,000 per accident for injuries, and $10,000 for property damage (10/20/10). You must keep it in force for 3 years after a crash or judgment suspension (s. 324.131); 2 years after a no-insurance suspension (s. 324.0221(3)); if the policy is canceled early, the insurer reports it and your license can be suspended again. The state charges no fee for the SR-22 itself; your insurer may charge its own filing fee. The state's reinstatement fees are $15 to $500, depending on the suspension.
At a glance
| Uses SR-22 | Yes |
|---|---|
| Minimum liability | 10/20/10 |
| How long | 3 years after a crash or judgment suspension (s. 324.131); 2 years after a no-insurance suspension (s. 324.0221(3)) |
| State reinstatement fee | $15 to $500 |
| Who files it | Your insurance company |
What else to know in Florida
Florida also uses an FR-44 certificate after a DUI conviction, with much higher limits: $100,000 / $300,000 / $50,000, kept 3 years. The SR-22 limits of $10,000 / $20,000 / $10,000 are higher than Florida's normal registration minimum, which requires no bodily injury coverage. Reinstatement after a no-insurance suspension costs $150, $250 or $500 depending on the offense, and proof must then be kept for 2 years; after a crash or judgment suspension it is 3 years.
Steps
- Get a liability policy of at least 10/20/10 from an insurer licensed in Florida and tell them you need an SR-22. Not every insurer provides it.
- The insurer files the SR-22 with the Florida Department of Highway Safety and Motor Vehicles. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $15 to $500, depending on the suspension.
- Keep the policy active for 3 years after a crash or judgment suspension (s. 324.131); 2 years after a no-insurance suspension (s. 324.0221(3)). Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the SR-22 in Florida?
3 years after a crash or judgment suspension (s. 324.131); 2 years after a no-insurance suspension (s. 324.0221(3)), under Florida's rules (see the sources below).
Does Florida charge a fee for the SR-22?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $15 to $500, depending on the suspension.
Can I get an SR-22 without a car?
Yes. Some insurers offer non-owner SR-22 policies for drivers without a vehicle. Coverage depends on the policy; ask the insurer.
What liability limits does Florida require?
$10,000 per person and $20,000 per accident for injuries, and $10,000 for property damage (10/20/10). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.