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In Florida, drivers that have been convicted of certain violations, such as driving without insurance or driving under the influence, may be required to buy SR-22 or FR-44 insurance in order to get their licenses reinstated. An SR-22 or FR-44 filing is proof of coverage that your insurer sends to the Florida DMV to show you have the state-required liability insurance. Requirements vary, but you'll typically be required to have an SR-22 or FR-44 filing for three years. The cost of an SR-22 or FR-44 filing is low, but insurance rates are significantly more expensive overall, due to the reason you were determined to be a high risk driver by the state.
- SR-22 Insurance in Florida
- FR-44 Insurance in Florida
- Non-Owner SR-22 and FR-44 Insurance
- Cost of SR-22 and FR-44 Insurance
SR22 Insurance in Florida
If you've been determined to be a high-risk driver in Florida, the state may suspend your license and require you to get SR22 insurance in order to reinstate your driving privileges. You might be considered a high-risk driver due to getting in an accident while uninsured, having too many points on your record or another reason.
SR-22 insurance isn't a separate type of auto insurance, but it is an auto insurance policy that has an SR-22 endorsement attached. An SR-22 form can also be attached to a motorcycle insurance policy. In order to reinstate your license, you need to purchase a policy that meets Florida's required liability insurance limits, and then the insurer needs to submit an SR-22 form on your behalf. This form acts as proof of coverage, letting the state know you have an insurance policy with at least:
- $10,000 of bodily injury coverage per person in an accident
- $20,000 of bodily injury coverage per accident
- $10,000 of property damage coverage per accident
How long you need to have an SR-22 filing in place can vary, so we recommend confirming with the DMV. But in most cases, you'll need to have the SR-22 in place for at least three years in Florida before you can purchase a policy without one. If, during that period, your policy lapses or is canceled and you are uninsured, your license will likely be suspended again and you'll have to pay a second fee to have it reinstated, in addition to the cost of insurance.
When you purchase SR-22 insurance, there's a small filing fee the insurer will generally pass on to you. And, while the insurer will typically continue to file the SR-22 form on your behalf when you renew your policy, we recommend you confirm this, as the state is not required to notify you if a renewal date is approaching or the form hasn't been filed.
Note that if you move out of state during the period during that you're required to file an SR-22 in Florida, that requirement doesn't go away. You'll need to contact an insurer about getting an out-of-state filing on your behalf, as coverage needs to remain in place in the state.
FR44 Insurance in Florida
An FR-44 insurance policy is similar to an SR-22, in that it's an auto insurance policy with an endorsement. The insurer electronically files a certificate of financial responsibility with the state of Florida to show proof that you're carrying the required liability insurance coverage. And if there's a lapse in coverage, such as if your policy is canceled or lapses due to nonpayment, your insurer must notify the state that coverage is no longer in place.
However, FR-44 insurance is generally only required if you've been found guilty of driving under the influence (a DUI) or driving while intoxicated (a DWI), as you're considered a higher-risk driver. Therefore, FR-44 insurance is sometimes referred to as "DUI insurance." DUI convictions are considered quite serious, and the liability insurance requirements for FR-44 insurance in Florida are significantly greater than those for SR-22 insurance. In addition to PIP (personal injury protection) coverage, you'll need to have a policy with liability limits of at least:
- $100,000 of bodily injury liability coverage per person injured in an accident
- $300,000 of bodily injury liability coverage per accident
- $50,000 of property damage liability coverage per accident
The amount of time you'll need to carry FR-44 insurance in Florida will vary depending upon your particular situation, so it's good to confirm, but the filing is generally required for three years from the date of your conviction. And, unlike SR-22 insurance, you'll need to have the FR-44 form in place for three consecutive years with no lapses in coverage. Otherwise, your license will no longer be reinstated and you will need to start the three-year period over again.
Florida also has stricter requirements for drivers with regard to paying for FR-44 insurance. Unlike SR-22 insurance, you can't make monthly payments for a FR-44 policy. Instead, you'll generally need to pay premiums for at least six months at a time, though this requirement may be relaxed upon renewal.
Non-Owner SR-22 and FR-44 Insurance in Florida
If you're required to obtain a SR-22 or FR-44 filing to reinstate your license in Florida, but don't have a car registered in your name, you can fulfill this obligation through a nonowners insurance policy.
A nonowner SR-22 or FR-44 insurance policy is similar to a standard owners auto insurance policy, in that it includes bodily injury and property damage liability coverage. It offers coverage whenever you drive a car that you don't own, such as if you borrow a friend's vehicle. And your insurer can add an SR-22 or FR-44 endorsement to a nonowners policy and submit a filing to the state, meaning you can fulfill the requirement to have your license reinstated.
The key differences are that a nonowners insurance policy doesn't require PIP coverage, just liability coverage, and a nonowners policy can be significantly less expensive than an owners policy. You just need to make sure that the liability limits of your nonowners policy meet Florida's requirements for SR-22 or FR-44 insurance.
Cost of SR-22 and FR-44 Insurance in Florida
If you're required to purchase SR-22 or FR-44 insurance in Florida, each form has a $15 filing fee, which the insurance company will likely pass on as part of your premium payments. But there are no additional fees that come with an SR-22 or FR-44 policy.
However, SR-22 insurance costs significantly more than other auto insurance policies because of the reason you were required to obtain a filing in the first place, such as driving without insurance. And FR-44 insurance can cost even more due to the severity of a DUI conviction, as well as the higher liability insurance requirements.
Our analysis found that the average cost of auto insurance in Florida is $1,830 per year, and that drivers in the state saw a median rate increase of 100% after a DUI conviction. So, assuming this sample driver's liability limits remained the same, the cost of FR-44 insurance would be approximately $3,675 per year, or $1,845 more than their previous policy.
In order to get cheaper SR-22 or FR-44 insurance in Florida, we recommend you start by comparing quotes from multiple insurance companies, at least three or four. Though you'll always get more expensive quotes as a high-risk driver, each insurer evaluates driving history differently, so this is the simplest way to get cheap rates. Additionally, even if you have the option to make monthly payments for SR-22 insurance, your total cost will be cheaper if you pay upfront, so we recommend doing so if you can. Finally, check if your insurer offers any discounts you can take advantage of, such as lower quotes for taking a defensive driver course. The cost of SR-22 and FR-44 insurance can be quite high, so any savings opportunities should be taken full advantage of.