Florida SR22 Insurance Requirements

It is likely that if you have been ordered by a court judge to carry SR22 insurance in Florida you know why and what purpose it serves. However, for those who don’t, and SR22 is actually a form that that a car insurance company provides to guarantee the Florida Department of Motor Vehicles that the driver has at least a minimum liability coverage. It also states that the insurance company will notify the Florida Department of Motor Vehicles if the insurance ever lapse is, or what ever reason. Generally SR22 forms are required of those who have been convicted of DUI, or have driving record issues that a court warrants a need for proof of coverage.

Most of the major insurance carriers in Florida actively write SR22 filing insurance. Usually, the best way to get the best pricing is to use an online service to provide you with multiple quotes. SR22 filing insurance forms are not inexpensive, so you will want to get multiple quotes. An SR22 can be issued on that day that payment is made to the insurance company.

If your license is under suspension in Florida, you will need an Florida SR22 insurance filing to reinstate your license. While most consider drunk driving related issues to be the sole reason for having to carry an SR22, a court can order any SR 22 for more minor moving violations, particularly if those are numerous violations, such as unpaid fines, uninsured accidents, or failure to comply with the Florida motor vehicle laws and regulations.

In most cases an SR22 must be carried for three years. That may very from case to case. Once you have your SR22 in hand you can get on with trying to activate your license again. You will need to purchase a minimum liability coverage policy on a vehicle that you own, and if you don’t own a vehicle you must purchase liability coverage designed for non-owner’s of motor vehicles. The price of an SR22 in Florida is dependent on your driving record and the severity of the violations you have committed.