FAQ
What is Florida SR22 insurance?
Florida SR22 insurance is really just a regular auto insurance policy with an attachment or rider called an SR22 form. Your insurance provider will file this SR22 form on your behalf with the Florida DMV to show proof of financial responsibility.
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What are Florida’s minimum SR22 insurance coverage limits?
Florida’s minimum SR22 coverage is as follows:
• Bodily injury/death of one person $10,000
• Bodily injury/death of two or more persons $20,000
• Property damage $10,000
When you speak with an insurance provider or on the insurance policy these limits will be noted as such: 10/20/10
Please note that these are the absolute minimum auto insurance coverage limits and should only be used as guidelines when choosing your insurance coverage limits. We typically recommend that people choose a policy with coverage limits of at least 50/100/50 and preferably a policy with limits of 100/300/100.
The higher limits help to cover you in case you are in an accident with a highend car like a BMW that costs $80,000 and is totaled and you are found to be at fault in the accident.
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How long do I have to keep my SR22 insurance in Florida?
The Florida DMV will require you to maintain your SR22 insurance filing with them for a period of 3-years from the date of having your driver's license reinstated or from the date that you were issued a restricted license. The 3-year filing period does not vary based on the reason for the suspension.
If at any time during your 3-year SR22 filing period you experience a lapse in your insurance coverage due to failure to pay your premiums on time your insurance provider is obligated by law to inform the Florida DMV of such a lapse in coverage, even if it is for one day. When this occurs the Florida DMV will send you a letter in the mail informing you that they have once again suspended your driver's license and that you will need to file a new SR22 form with the DMV and pay another license reinstatement fee before your license will be reinstated and you will be legal to drive again.
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How do I reinstate my license following a revocation for being a habitual traffic offender?
After 1-year of the 5-year revocation has lapsed you may request a hardship license by contacting the Administrative Review Office where you live. If alcohol was not involved you will be required to attend and complete an Advanced Driver Improvement School before being issued a hardship license. If alcohol was involved you will be required to attend and complete DUI School.
If you wait out the 5-year revocation period in lieu of obtaining a hardship license you will still need to contact a Administrative Review Office near you before your license will be reinstated.
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What is the difference between SR22 insurance & FR44 insurance in Florida?
An SR22 insurance filing in Florida is required to meet the minimum Florida auto insurance liability limits of 10/20/10 whereas an FR44 insurance filing in Florida is required to meet twice the minimum auto insurance liability limts. An FR44 policy will have minimum limits of 20/40/20.
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Can I get a hardship driver’s license in Florida?
You may be eligible to apply for a hardship license but it all depends on the reason your for your license being suspended in the first place. You will need to contact an Administrative Review Office near you to find out if you are eligible for a hardship license.
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How much is SR22 insurance in Florida?
Your Florida SR22 insurance premiums will run you between 3 and 5 times as much per month as your auto insurance premiums were before you were required to maintain your SR22 filing with the Florida DMV. As an example if you were paying $70 per month for auto insurance before your SR22 requirement, you should expect your premiums to be somewhere between $210 and $350 per month.
We know that this is an extreme amount of money to be paying out for auto insurance every month. We can help you keep your SR22 insurance costs as low as possible by filling out our Florida SR22 insurance quote form. Once you fill out our quote form we will email you 5 very competitive SR22 insurance quotes with rates lower than anyone else will be able to do for you. Give us a try and let us prove to you just how much we can save you on your Florida SR22 insurance policy.
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What are the suspension periods for too many points on a license in a certain period of time in Florida?
The Florida DMV will suspend a person's driver's license for a period of 30 days if they earn 12 points against their license in a 12 month period. The suspension will be for 3-months if 18 points are earned within a 18-months. The suspension will be for 1-year if 24 points are earned within a 36 month period.
Florida Point Value Table
The date the offense occurred will be used in calculating the total points accumulated. Any points accumulated against a driver's license will remain on the driver's driving record for a minimum of 10-years. If your license was suspended for too many points you may apply for a hardship license through a Administrative Reviews Office near you.
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