If you’re looking into SR-22 insurance Florida requires after a license suspension, there’s one thing that trips up more Florida drivers than anywhere else: Florida uses two different certificates, not one, and using the wrong one gets your filing rejected. Here’s exactly how it works. (New to SR-22 in general? Read our full guide first.)
SR-22 vs. FR-44: Which One Do You Need in Florida?
Most states only use the SR-22. Florida is one of just two states (along with Virginia) that also uses a second, higher-coverage certificate called the FR-44 — and which one you need depends entirely on what triggered the requirement:
- FR-44 — required for DUI/DWI convictions. Requires much higher liability limits than Florida’s standard minimum.
- SR-22 — required for most other violations: driving without insurance, at-fault accidents while uninsured, reckless driving, unpaid judgments, or reinstating a suspended license for reasons unrelated to DUI.
Your Florida DHSMV reinstatement letter will specify exactly which one applies to you — don’t guess, since filing the wrong certificate means your reinstatement gets rejected and you start the process over.
Coverage Limits: FR-44 vs. Standard SR-22 in Florida
This is where the two certificates really differ:
| Standard Florida Minimum | FR-44 (DUI) Requirement | |
|---|---|---|
| Bodily injury (per person) | $10,000 | $100,000 |
| Bodily injury (per accident) | $20,000 | $300,000 |
| Property damage | $10,000 | $50,000 |
Florida is also a no-fault state, which means $10,000 in Personal Injury Protection (PIP) coverage is mandatory on top of liability, regardless of which certificate you’re filing.
How Long Do You Need SR-22 or FR-44 in Florida?
Both certificates require three years of continuous coverage in Florida, and the clock starts from the date your license is reinstated (not the date of the violation). As with every state, this comes with the same non-negotiable rule: if your policy lapses, even for a single day, your insurer must notify DHSMV, your license gets suspended again, and the three-year period restarts from zero.
How Much Does SR-22 / FR-44 Insurance Cost in Florida?
Costs vary noticeably between the two, since FR-44’s much higher coverage requirements mean higher premiums:
- Standard SR-22 (non-DUI violations): estimates commonly range from roughly $2,500–$3,500 per year for minimum coverage.
- FR-44 (DUI-related): because of the much higher liability limits, this typically costs more — estimates commonly range from $3,500–$5,500+ per year, and some individual cases run higher depending on the driver’s full record.
- Filing fee: typically $15–$50, separate from the premium.
- DHSMV reinstatement fee: this is a separate cost from insurance entirely — expect somewhere between $150 and $500 depending on the offense, paid directly to the state through the GoRenew (FLHSMV) portal.
Because estimates vary meaningfully between sources and individual circumstances, get quotes from a few insurers rather than budgeting off any single number.
Don’t Own a Car? Non-Owner Options in Florida
If you don’t own a vehicle, a non-owner SR-22 (or FR-44, if that’s what applies to you) can satisfy the requirement, covering you when driving borrowed or rented vehicles. It’s generally cheaper than an owner policy, though you should compare quotes since pricing varies by provider.
How to Get SR-22 or FR-44 Insurance in Florida
- Check your DHSMV reinstatement letter to confirm whether you need an SR-22 or an FR-44 — this determines everything else.
- Get quotes from insurers that file in Florida. Some standard carriers do; several high-risk specialists (and larger insurers like Progressive) also commonly work with Florida SR-22/FR-44 filings.
- Confirm any court requirements are met (DUI school, community service, etc., if applicable) before or alongside filing.
- Your insurer files electronically with DHSMV, often the same day.
- Pay the DHSMV reinstatement fee through the GoRenew portal.
- If you’re not yet eligible for full reinstatement, ask about a “Business Purposes Only” hardship license, which may let you drive to work while the rest of your requirements are completed.
Frequently Asked Questions
Can I use a regular SR-22 for a DUI in Florida? No. Florida requires the higher-coverage FR-44 specifically for DUI/DWI convictions — a standard SR-22 won’t satisfy that requirement.
How long does FR-44 last in Florida? Three years from your license reinstatement date, same as the standard SR-22 — but the coverage limits required are significantly higher.
Does Florida’s no-fault PIP requirement apply on top of SR-22/FR-44? Yes. Florida’s mandatory $10,000 PIP coverage applies regardless of which certificate you’re filing.
What if I don’t own a car? Non-owner policies are generally available for both SR-22 and FR-44 situations in Florida — ask your insurer specifically about non-owner coverage.
This article summarizes general, publicly available information about Florida’s SR-22 and FR-44 requirements as of 2026 and isn’t legal or insurance advice. Requirements and costs can change, and your specific case may differ — always confirm your exact requirement with the Florida DHSMV or a licensed insurance agent.