Florida SR22 Insurance

An SR-22 is a form that's filed with the state of Florida to prove that you have car insurance meeting the minimum coverages required by law. Also known as a "Certificate of Financial Responsibility," "SR-22 Bond," or "SR-22 Form," an SR-22 isn't a type of insurance but rather an easy-to-get document from your state's department of motor vehicles.

Do I need an SR-22?

An SR-22 is ordered by a court or the state of Florida. If it's court-ordered, the judge will let you know at the hearing. If it's state-ordered, you'll typically receive a letter from your Florida's department of motor vehicles.

Not everyone needs an SR-22. It's typically required if you've been caught driving without insurance or a valid license. Here are some other reasons you might need to file an SR-22 form:

• DUI or DWI conviction

• Driving without enough insurance

• Too many at-fault accidents or violations

• Repeat offenses in a short time frame (for example, three or more speeding tickets within six months)

• Not paying court-ordered child support

• Hardship license (issued for temporary driving needs, normally to and from work, because your license has been suspended or revoked)

Is an FR-44 the same thing as an SR-22?

Usually required after a DWI or DUI conviction, the FR-44 is only used in Florida and Virginia. The FR-44 document is similar to an SR-22, but the liability limits are typically double the state's minimum. For instance, the minimum limit for auto liability insurance in Florida is $10,000 per person and $20,000 per accident, and $10,000 per accident for property damage. An FR-44 will require you to increase those limits to $100,000 per person, $300,000 per accident, and $50,000 for property damage.

How do you get an SR-22?

Your insurance company may offer SR-22 form filings, all you have to do is call us and we'll update your policy. Your insurance company adds the SR-22 endorsement to your existing policy and then file the SR-22 insurance document with the state that requires it. If you only carry PIP or basic coverage, you will need to add bodily injury liability to your policy as well.

If you don't have auto insurance or your current insurance company doesn't offer SR-22s, then you'll need to buy a new policy. Since some insurance companies don't offer coverage for SR-22s, it's a good idea to let us know upfront that you require an SR-22 to save yourself some time.

What if I need an SR-22 and don't have a car?

Call us at 305-362-6830, and we can quote you for a policy called Named Non-Owner with an SR-22. This means you'll be covered under Florida's liability requirements whenever you drive any vehicle. We can write you a policy with an SR-22 even if you don't have a vehicle.

How much does an SR-22 cost?

An SR-22 costs approximately $25 to file and some in cases, you'll have to pay the filing fee up front. Most insurance companies include the fee for the SR-22 filing in your cost for each policy term. You'll need to pay the filing fee with each policy term that the SR-22 is required.

How much will an SR-22 increase the cost of my insurance?

Due to the fact that some insurance companies consider SR-22 drivers as high risk, your rate could increase. However, the increase to your policy's rate will vary based on your ZIP code, vehicle, driving record, insurance history, and other factors. Give us a call at 305-362-6830 and we'll compare your SR-22 auto quote with all our companies that offer it.

How do I know when my SR-22 is up?

Contact Florida's department of motor vehicles to find out the exact length of time you'll need to carry an SR-22 — in most cases, it's three years.

How do I get my SR-22 removed?

An SR-22 won't automatically fall off your insurance policy once it's no longer needed. You'll have to call us to remove the SR-22 from your policy. Once removed, it's possible your insurance rate will go down if you saw an increase after filing your SR-22, but this isn't guaranteed. If your policy is canceled or lapses while you're carrying an SR-22, your insurance company will alert the DMV and your license will be suspended.

How to get an SR-22 with All Motors Insurance

Our insurance companies at All Motors Insurance can provide an SR-22 quickly and easily, regardless of the reason. Immediately upon the purchase of your policy, your insurance company electronically files your SR-22 form with the department of motor vehicles in Florida. Whether you're a new or existing customer, you can call us at 305-362-6830 for assistance and more information. You can even submit a quote request here and let us know you require an SR-22 policy!