Florida SR22 Insurance
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UPDATED: May 25, 2021
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What is SR22 Insurance in Florida?
Florida SR22 is a form that insurance companies issue to certify that a person is complying with minimum liability standards as set out by the state of Florida. It is used as proof of liability insurance and is sent directly to the Florida Department of Financial Responsibility.
Six major factors affect car insurance rates in Florida. Which auto insurance factors will affect SR22 rates the most? Typically that’s a FL DUI but these other factors may also impact your SR22 auto insurance rates.
Who needs Florida SR22 Car Insurance?
Anyone who has failed to provide proof of insurance after being in an accident, or has too many points on their license may be required to have a Florida SR-22. DUI offenses do not have an SR22; they are issued specific, specialized insurance called the Florida FR44.
Are There Different Types of Florida SR22 Forms?
There is only one type of form that needs to be filled out. Situations such as drunk driving require different forms than the Florida SR-22 car insurance form. The change in adding the Florida FR44 for a DUI conviction was started in 2007.
Is Florida SR22 Insurance Required in Florida?
Florida SR-22 insurance is required for those who have not shown insurance when in a car accident and those who have had too many infractions. The insurance must also meet minimum requirements as stated for the state of Florida. The minimum personal injury protection is $10,000 per person and $10,000 for property damage liability. Minimum bodily injury liability is $10,000 as well.
How Do I File a Florida SR22 Insurance Form?
First, contact an insurance agency that issues SR22’s. You can compare Florida SR-22 car insurance quotes online here by entering your zip code. After you purchase the policy that you choose, you will be required to pay a $15.00 filing fee. Once the agency approves your Florida SR22 auto insurance form, they will send the certification information to the DMV, who will keep it on file for up to three years. It typically takes up to 15 days to finish the Florida SR22 car insurance process and then be allowed to drive once more.