Florida SR22 FR44

Are you unsure whether you need Florida SR22 or Florida FR44 insurance? Florida SR22 insurance is for license reinstatement after suspension for non-alcohol related violations. FR44 insurance is to reinstate a driver’s license after a DUI, or alcohol/drug related suspension. They’re both certificates of financial responsibility, required to be on file with the Florida DHSMV prior to license reinstatement. Florida SR22 FR44 insurance can be purchased as an owner-operator or non-owner certificate.

The process of driver’s license reinstatement starts with obtaining a Florida SR22 FR44 insurance certificate. Which type of certificate you file depends on the reason for your license suspension. Florida SR22 is for people with license suspensions not related to alcohol/drugs, and Florida FR44 is for people with license suspensions related to DUI / DWI offenses. When the state requires drivers to carry Florida SR22 FR44 insurance, they must keep it for three years in most cases. Their insurance coverage must remain in good standing to avoid another license suspension. Individuals can file an SR22 or FR44 certificate if they own a vehicle (owner policy) or not (non-owner policy).

Whether you need an owner or non owner policy, we can help by surveying top rated insurance companies to find the best rate and policy to suit your needs. UltraCar Insurance can complete your owner or non-owner insurance filing for driver’s license reinstatement within 20 minutes.

What is Florida SR22?

All individuals who have a license suspension for traffic violations not related to drugs or alcohol must get Florida SR22 insurance. SR22 insurance is available for individuals who own a vehicle or for non-vehicle owners. See our Florida Non Owner SR22 Insurance page for more information about this filing.

Drivers who need to carry SR22 insurance must have a policy that includes the following minimum coverage:

$10,000 bodily injury per accident
$20,000 bodily injury liability for all injuries in an accident
$10,000 in property damage in one accident

What is Florida FR44?

The state requires Florida FR44 insurance to reinstate a driver’s license after alcohol or drug-related license suspensions. You’ll need to keep it in effect for three years, without any interruption of coverage. Minimum coverage requirements for Florida FR44 insurance are higher than Florida SR22 minimum coverage requirements:

$100,000 bodily injury per individual per one accident
$300,000 bodily injury per one accident
$50,000 property damage per one accident

Florida FR44 insurance is available to both vehicle owners and non vehicle owners. See our Florida Non Owner FR44 Insurance page for more information.

More information about Florida high-risk auto insurance:

For more details about Florida licensing, motor vehicle laws, penalties for moving violations, license suspensions and revocations and license reinstatement related to Florida SR22 FR44 insurance – visit the Florida DHSMV website.

These pages on our website also have information related to Florida SR22 FR44 insurance:

UltraCar Insurance will quickly find you the best rates for Florida SR22 FR44 insurance to reinstate your driver’s license and get back on the road. We always maximize your savings by comparing the rates of several insurance companies. Submit your inquiry using our secure online quote form, or give us a call today!

This article was last updated on August 15th, 2023 by UltraCar Insurance