Did you recently lose your driving privileges? Losing your driver’s license in Florida isn’t just frustrating—it can affect your ability to work, run errands, and take care of your family. Whether your license was suspended due to a DUI, too many points on your record, or failure to carry insurance, you may be required to file an SR-22 before you can drive again.
If you’re facing this situation, don’t panic. We’re revealing what you need to know about SR-22 insurance in Florida and how to get back on the road legally.
What Is SR-22 Insurance?
Despite what it sounds like, SR-22 isn’t actually a type of insurance. It’s a certificate your auto insurance company files with the state to prove that you carry the minimum required liability coverage. Think of it as Florida’s way of keeping track of high-risk drivers who need to stay insured.
You might need an SR-22 if your license was suspended due to:
- A DUI or DWI conviction
- Driving without insurance
- Too many traffic violations or accidents
- Failing to pay court-ordered child support
- Reckless driving
How to Get SR-22 Insurance in Florida
Not all insurance companies offer SR-22 filings, so your first step is to contact one that does. At Florida 1st Insurance, we can file your SR-22 electronically with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
To get started, you’ll need:
- A current Florida auto insurance policy (fun fact: an SR-22 form can also be attached to a motorcycle insurance policy.)
- Proof of identity and vehicle information
- Payment for your premium and SR-22 filing fee (usually around $15–$25)
Once your insurer (Florida 1st Insurance) submits the form, the state will be notified, and you’ll be one step closer to reinstating your driving privileges.
How Long Do You Need to Carry SR-22?
In Florida, you typically need to maintain SR-22 coverage for three years from the date of your license reinstatement. If you cancel your policy or let it lapse during this time, your insurer is required to notify the state, and your license may be suspended again.
That’s why it’s so important to make all your payments on time and avoid any coverage gaps.
How Much Does SR-22 Insurance Cost?
Because SR-22 is required for drivers considered “high-risk,” your auto insurance premiums may be higher than average. Factors like your driving history, age, vehicle, and location all affect your rate. While the SR-22 filing fee is relatively small, the increased insurance cost can add up.
That said, Florida 1st Insurance can help you compare quotes from multiple providers to find the most affordable option for your situation.
Need Help? We’re Here for You.
Losing your license can feel overwhelming, but you don’t have to figure it out alone. At Florida 1st Insurance, we specialize in helping Florida drivers get back on the road legally and affordably. Whether you need SR-22 insurance or just want to explore your options, our team is here to guide you every step of the way.
Contact us today to get a free quote and take the first step toward reinstating your license.