Coverage explained
SR-22 insurance in Florida
An SR-22 isn’t a type of insurance; it’s a form your insurer files with the state proving you carry bodily injury and property damage liability. Florida usually requires it for three years after certain crashes, violations or a license suspension.
What it pays for
- Nothing on its own: it proves your policy carries at least 10/20/10 liability
What it doesn’t
- Replace a policy
- Cover a DUI requirement (that is the FR-44)
A real-life example
You were in a crash without bodily injury coverage and your license was suspended. To reinstate it, the state requires an SR-22. Your insurer adds bodily injury of at least 10/20 to your policy and files the SR-22 electronically. If you miss a payment and the policy cancels, the insurer tells the state and the suspension can come back.
Illustrative numbers. What a claim pays depends on your policy wording, limits and deductible.
The Florida rule
Minimum limits are $10,000 per person and $20,000 per crash for bodily injury and $10,000 for property damage. If the policy lapses, the insurer tells the state and your license can be suspended again.
What most drivers pick
Most people need it for three years. A non-owner policy can carry the filing if you don’t own a car.
What it does to the price
The filing fee is small; the violation behind it is what raises the price, so shopping carriers matters most here.
Questions
Do I need an SR-22 if I don’t own a car?
Yes if the state requires it to reinstate your license. A non-owner policy can carry it.
Go deeper
Other coverage
- Personal injury protection
- Property damage liability
- Bodily injury liability
- Uninsured motorist
- Collision
- Comprehensive
- Full coverage
- Gap and loan or lease payoff
- Rental and roadside
- FR-44
- Non-owner car insurance
- Rideshare and delivery
Your policy’s wording decides what’s covered. David can walk you through yours.