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.
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.
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.
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.
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.
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.
Get a free quote or call (321) 206-8035.