SR-22 & FR-44 Filing — An Endorsement, Not a Separate Policy
An SR-22 (or FR-44 in Florida) is not a standalone insurance policy — it's a certificate filed with the state proving you carry the required auto liability limits. It's added as an endorsement to your auto insurance policy. If you need an SR-22 or FR-44, the first step is getting the right auto policy in place. Our agency can help you find competitive auto rates and handle the filing quickly.
Coverages we place
- SR-22 is a certificate of financial responsibility filed with your state's DMV
- FR-44 is Florida's version, required after DUI — mandates higher limits ($100K/$300K BI, $50K PD)
- It's an endorsement added to your existing auto insurance policy, not a separate product
- Your auto carrier electronically files the form on your behalf
- Same-day filing available in most cases
- Required filing period varies by state (typically 3 years)
Who needs this coverage
Drivers who've been convicted of DUI/DWI, caught driving without insurance, had their license suspended or revoked, or been involved in an at-fault accident without insurance. Each state has different requirements — Florida requires the FR-44 form with higher liability limits.
What drives your premium
- Type of violation (DUI is most expensive)
- Driving record severity
- State of residence and its specific requirements
- Age and location
- Required liability limits (FR-44 requires higher limits than SR-22)
Common exclusions
- SR-22/FR-44 is not a policy — it's a filing attached to your auto policy
- Does not cover the underlying violation penalties or fines
- Does not guarantee license reinstatement (other requirements may apply)
- Any lapse in auto coverage will be reported to the state immediately
Frequently asked questions
Is SR-22 a separate insurance policy?
No. SR-22 (and FR-44 in Florida) is an endorsement — a certificate added to your auto insurance policy that proves to the state you carry the required liability limits. You need an active auto policy first, then the SR-22/FR-44 filing is added to it.
What's the difference between SR-22 and FR-44?
SR-22 is the standard filing used in most states and requires you to carry your state's minimum liability limits. FR-44 is specific to Florida and is required after DUI convictions — it mandates much higher limits: $100,000/$300,000 Bodily Injury and $50,000 Property Damage.
How long do I need to carry an SR-22 or FR-44?
It varies by state and violation. Florida requires FR-44 for 3 consecutive years from the date of license reinstatement. Most states require SR-22 for 3 years as well. Any lapse in coverage restarts the clock and your license will be re-suspended.
How do I get an SR-22 or FR-44?
Contact us — we'll help you get the right auto policy with competitive rates, then file the SR-22 or FR-44 electronically with your state's DMV. In most cases, we can complete the filing the same day.
Related coverage
Get a free quote or call (321) 206-8035.