SR-22 and FR-44 Auto Insurance
SR-22 and FR-44 Insurance in Florida
Insurance Made Simple - Serving Orlando, Apopka, and Kissimmee
If you've been required to file an SR-22 or FR-44 in Florida, you're not alone — and the process is simpler than it may seem. The Insurance Store USA helps Florida drivers get the right auto insurance policy and file the required certificate with the state quickly, so you can get back on the road.
Our agents serve drivers in Apopka, Kissimmee, and across Florida. Se habla Español.
What Is an SR-22 in Florida?
An SR-22 is not an insurance policy. It is a certificate that your insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to confirm that you carry at least the minimum required auto insurance coverage.
Florida may require an SR-22 filing if you have:
- Had your license suspended or revoked
- Been caught driving without insurance
- Accumulated too many points on your driving record
- Been involved in an at-fault accident without coverage
- Had certain traffic violations on your record
Once your insurance company files the SR-22, the state can confirm your coverage is active. If the policy lapses or is cancelled, your insurer is required to notify the state, which can trigger a new suspension.
What Is an FR-44 in Florida?
The FR-44 is a Florida-specific certificate similar to the SR-22 but with higher required coverage limits. Florida requires an FR-44 instead of an SR-22 in more serious cases, typically involving:
- A DUI or DWI conviction
- Driving under the influence of drugs or alcohol
FR-44 requirements in Florida are stricter than SR-22 requirements. The minimum liability limits required for an FR-44 are higher than Florida's standard minimums, which means your premium may be higher. Our agents can help you understand what limits you need and find a carrier that works with FR-44 filings.
SR-22 | FR-44 | |
|---|---|---|
What it is | State-required proof of insurance | State-required proof of insurance |
Who requires it | FLHSMVFLHSMV | FLHSMVFLHSMV |
When it's required | License suspension, uninsured violations, points | DUI / DWI convictions |
Coverage minimums | Florida standard minimums | Higher than standard minimums |
Florida-specific | No — used in most states | Yes — Florida and Virginia only |
How the Filing Process Works
Getting an SR-22 or FR-44 filed in Florida is straightforward when you work with an agency that handles these filings regularly.
- We help you find an auto insurance policy that meets Florida's requirements
- Your insurance carrier files the certificate directly with FLHSMV on your behalf
- You receive confirmation and your driving privileges can be reinstated
The entire process can often be completed the same day. Our agents in Apopka and Kissimmee are familiar with Florida filing requirements and can walk you through each step.
How Long Do You Need an SR-22 or FR-44 in Florida?
Florida typically requires SR-22 and FR-44 filings to remain active for three years, though the required period can vary depending on your specific situation and violation history. If your policy lapses during that period, your insurer must notify the state, which can restart the clock or trigger a new suspension.
Our agents can help you stay on top of your renewal so your filing stays active for the full required period.
Will an SR-22 or FR-44 Affect My Insurance Rate?
Yes — drivers who require an SR-22 or FR-44 are typically considered higher risk by insurance carriers, which can affect pricing. However, rates vary significantly between carriers.
Because The Insurance Store USA works with multiple insurance companies, we can compare options and help you find coverage at a price that works for your situation.
Frequently Asked Questions
Yes. If you need an SR-22 but do not own a vehicle, you may be able to get a non-owner SR-22 policy. This type of policy provides liability coverage when you drive a vehicle you do not own. Our agents can help you determine if this option fits your situation.
In most cases, your insurance carrier can file the certificate with FLHSMV the same day your policy is bound. Contact us and we can help you get started quickly.
If your policy cancels or lapses while an SR-22 or FR-44 is required, your insurance company is required to notify FLHSMV. This can result in a new license suspension. Staying current on your premium payments is essential during the filing period.
No. Not all carriers offer SR-22 or FR-44 filings, which is one reason working with an independent agency can help. The Insurance Store USA works with carriers that handle these filings for Florida drivers.
Ready to Get Your SR-22 or FR-44 Filed?
The Insurance Store USA helps Florida drivers in Apopka, Kissimmee, and across the state get the right coverage and complete their required filings quickly. Our bilingual agents are ready to help. Se habla Español.
Call our Apopka office at (407) 880-2090 or our Kissimmee office at (407) 705-3605, or get a quote online today.
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