SR-22 Insurance in Florida, Explained
An SR-22 is not insurance. It is a certificate your insurer files to prove you carry Florida's liability minimum after a license problem.
Eddie EzekielOct 13, 2026
WhatCarInsuranceIsRequiredinFlorida
Florida asks for one of the thinnest car insurance minimums in the country, $10,000 PIP and $10,000 PDL, with no bodily-injury liability at all. What the law requires, what each coverage does, and the gaps the minimum quietly leaves you to cover.
Florida, by the Numbers
What You're Up Against$0the average Florida driver's yearly premium, 58% above the national average.
#1
Most expensive state in the US for car insurance.Bankrate 2026
1 in 5
Florida drivers carry no insurance at all.IRC
14 days
See a doctor within 14 days of a crash, or your PIP is gone.FL No-Fault
+138%
What poor credit can add versus excellent credit.carinsurance.com
$10k
The thin state minimum, PIP plus property damage.FLHSMV
Where Do You Want to Start?
Pick Your SituationI Just Moved Here
The 10-day registration clock and the coverage Florida makes you carry.
I Had a Ticket or DUI
What an SR-22 or the tougher FR-44 means, and the road back to a normal rate.
I'm Paying Too Much
The handful of levers that actually move a Florida premium.
I Just Had a Crash
A step-by-step walk through the Florida aftermath, matched to what actually happened.
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Every figure on this site links to where it came from, so you can check our work and decide for yourself.
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Florida Insurance BasicsNo-fault, PIP, the minimums and registration.Coverage ExplainedFull coverage, PIP, gap and what each one does.Money-Saving GuidesWhy it costs so much, and how to cut it.High-Risk DriversSR-22, FR-44, DUIs and driving uninsured.Driver Types & Life SituationsLeased cars, EVs, gig work, seniors and teens.Company Comparisons & ReviewsHead-to-head carrier comparisons.Claims & Policy ManagementAfter a wreck, total loss and fraud.
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Tick what's on your Florida policy. It's not a quote, just a quick way to see where the gaps are.
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