Losing driving privileges can feel like a heavy weight.
Additionally, navigating SR-22 requirements can be challenging, but at Florida 1st Insurance, we’re here to simplify the process and take the guesswork out of all things SR-22.
In this guide, we’ll break down what SR-22 means for Florida drivers, explain the legal obligations, and show you how to find affordable SR-22 insurance in Florida.
First of all, let’s dive into SR-22 insurance in Florida.
What is SR-22 Insurance?
SR-22 insurance is a document that proves a driver has the required liability insurance after a major traffic violation, such as a DUI or DWI (driving without insurance).
SR-22 is often referred to as a Certificate of Financial Responsibility, as it proves the driver has purchased the minimum coverage required to operate their vehicle legally.
Who Files an SR-22 Form?
An insurance company must file an SR-22 insurance form with the state of Florida on behalf of the driver to ensure they meet the minimum coverage requirements, allowing them to regain or maintain their driving privileges.
Is SR-22 An Actual Insurance Policy?
SR-22 is not an actual insurance policy but a certificate of financial responsibility, mandated by the state for high-risk drivers. It isn’t a separate type of auto insurance, but a form that accompanies an auto insurance policy.
With that being said, drivers with an SR-22 are required to keep the state-required liability insurance for the entire term of the filing period.
Need direction on what insurance fills Florida state requirements? At Florida 1st Insurance, we can help you find the right insurance and file an SR-22 certificate with the DMV in a timely manner.
Who Needs SR-22?
Drivers typically need an SR-22 insurance form if they’ve:
- Driven with a suspended license
- Received a DUI or DWI (driving without insurance)
- Been charged other major moving violations like reckless driving
- Been given several traffic infractions in a short period of time
- Been found at fault in an accident while driving uninsured
- & More…
If any of these apply to you, read on for essential steps on how to file for an SR-22.
SR-22 Insurance In Florida
While each state has its own rules for SR-22 insurance, in Florida, drivers must maintain the state-mandated liability coverage for the entire filing period.
A lapse in coverage can lead to additional penalties, including license suspension.
What Are the 3 Types of SR-22 Insurance?
There are three types of SR-22 insurance:
- Operator: An Operator’s Certificate is designed for drivers who borrow or rent a car, but don’t own a car. This is sometimes used with a non-owner car insurance policy.
- Owner: An Owner’s Form is for those who own and drive their own car.
- Operator/Owner: An Operator/Owner Form is a combination form that applies to those who own their own car, but also borrows or rents one to drive occasionally.
How Do You Get an SR-22 Certificate?
SR-22 certificates can only be issued by insurance companies.
Click here to speak to one of our agents at Florida 1st Insurance today. We can immediately issue an SR-22 certificate and file it with the state of Florida.
How Much Does SR-22 Insurance Cost in Florida?
The cost of SR-22 insurance in Florida varies, depending on factors like the driver’s age, location, driving history, and insurance provider.
Generally, you’ll pay an inexpensive filing fee for the certificate itself, but the insurance premiums tend to increase for SR-22 holders because they’re considered high-risk drivers.
On average, Florida drivers with an SR-22 can expect higher rates than standard insurance policies.
For exact pricing and options on affordable SR-22 insurance in Florida, get a free quote from Florida 1st Insurance today.