SR-22 / FR-44
SR-22 and FR-44 insurance in Florida.
A filing is how the state confirms you carry the liability coverage it ordered after a suspension. We quote it, bind it and the carrier files it electronically with FLHSMV — usually the same day you pay.
SR-22 or FR-44 — which one do you need?
The letter from FLHSMV (or the clerk) tells you which one. Both are certificates your insurer files on your behalf; neither is a separate policy. The difference is the reason and the coverage the state demands:
| SR-22 | FR-44 | |
|---|---|---|
| Who needs it | Drivers reinstating after certain violations under the Financial Responsibility Law — driving without insurance after a crash, too many points, an unpaid judgment and similar. | Drivers convicted of DUI in Florida (s. 324.023, F.S.). |
| Liability you must carry | $10,000 bodily injury per person / $20,000 per accident / $10,000 property damage (10/20/10), plus PIP. | $100,000 bodily injury per person / $300,000 per accident / $50,000 property damage (100/300/50), or a $350,000 combined single limit. |
| How long | Usually 3 years, continuously. | 3 years, continuously. |
| Who files it | Your insurer, electronically, once the policy is bound. | Your insurer, electronically, once the policy is bound. |
How it works with us
- 1Send us the letter
The FLHSMV notice says which filing you need and until when. Text us a photo, or bring it to the office.
- 2We quote the carriers that write filings
Not every company does, and prices vary a lot for the same driver. We show you the real options side by side.
- 3You bind, the carrier files
Once the first payment is in, the carrier sends the SR-22 or FR-44 to FLHSMV electronically — usually the same day.
- 4You reinstate
With the filing on record, you pay the reinstatement fee at FLHSMV or a tax collector office ($150 to $500 depending on the suspension) and get your license back.
Don't own a car?
A non-owner policy carries the liability coverage and the filing for a driver who borrows or rents cars. It is usually the cheapest way to satisfy the requirement when you have no vehicle of your own — ask us which of our carriers offer it.
Keep it active for the whole term
If the policy cancels or lapses, the insurer must tell the state (an SR-26 or FR-46), and FLHSMV suspends your license again — and the clock on your filing can restart. Three habits avoid that:
- Autopay from a card or account that will not run dry
- If you switch carriers, let the new policy start before the old one ends — never a gap, even for a day
- Tell us before you move or sell the car, so the filing moves with you
FAQ
How much does an SR-22 or FR-44 cost?
The filing itself is a small fee set by the carrier. What changes is the premium, because the violation behind it raises your rate and the FR-44 requires much higher limits. Comparing carriers matters more here than anywhere else.
Can you file it today?
In most cases, yes: once the policy is paid, the carrier transmits the certificate electronically to FLHSMV the same day. Reinstatement still has to be done by you at FLHSMV or a tax collector office.
I have a filing with another company. Can I switch?
Yes. We start the new policy and filing first, then you cancel the old one — with no gap in between. We will check the end date of your requirement before you switch.
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