SR-22 Insurance Guide for Florida Drivers

What is SR-22 Insurance?

An SR-22 is a certificate of financial responsibility filed by your insurance company with the Florida Department of Highway Safety and Motor Vehicles (DHSMV). It serves as proof that you carry the state's minimum required auto insurance coverage.

Who Needs SR-22?

You may be required to file an SR-22 if you:

• Have been convicted of driving under the influence (DUI)
• Have been caught driving without insurance
• Have multiple traffic violations or accidents
• Have suspended or revoked license
• Have been convicted of reckless driving

Florida Minimum Coverage Requirements

For most Florida drivers, the minimum required auto coverage is:

• $10,000 in Personal Injury Protection (PIP)
• $10,000 in Property Damage Liability (PDL)

If you are required to carry an SR-22 after specific violations, your required liability limits may be higher. Always confirm your exact filing requirements with FLHSMV.

• Common SR-22 liability minimums: $10,000 per person / $20,000 per accident (BI) and $10,000 PDL

How Long Will I Need SR-22?

The duration depends on your violation. For most cases, you'll need to maintain SR-22 coverage for 3 years from the date you become eligible to drive again. Some violations may require longer periods.

SR-22 Costs in Florida

SR-22 itself is typically free or costs just a few dollars ($15-25) to file. However, insurance companies charge significantly higher premiums for drivers who need SR-22. You can expect to pay 50-100% more for auto insurance while maintaining an SR-22.

Average costs:

• Annual premium: $2,000-$5,000+
• Monthly payment: $165-$415+

Tips for Getting Affordable SR-22 Insurance

• Compare quotes from multiple insurers
• Ask about discounts (good student, defensive driving course)
• Consider increasing your deductible
• Bundle auto and home insurance
• Pay your premiums on time

Last reviewed: February 19, 2026. Source: Florida Highway Safety and Motor Vehicles insurance requirements page.