SR-22 Insurance in Florida: Requirements, Cost & How It Works

Written by American US Insurance on Mar 2, 2026
 Share
SR-22 insurance requirements in Florida for drivers reinstating their license

Being required to file an SR-22 in Florida can be stressful—especially if it’s tied to a license suspension or serious driving violation. Many drivers hear the term “SR-22 insurance” without fully understanding what it means or how the process works.

This guide explains SR-22 insurance in Florida, who needs it, how long it lasts, and what drivers in Miami and throughout Florida should expect.

What Is SR-22 Insurance in Florida?

Despite the name, SR-22 insurance is not a separate insurance policy. An SR-22 is a certificate of financial responsibility that an insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).

The filing confirms that a driver carries at least the minimum liability coverage required by Florida law after certain violations.

If the policy lapses or is canceled, the insurance company must notify the state, often resulting in license suspension.

Why Florida Drivers Are Required to File an SR-22

Drivers may be required to carry SR-22 insurance in Florida for several reasons, including:

  • DUI or DWI convictions

  • Driving without insurance

  • Multiple traffic violations or excessive points

  • At-fault accidents while uninsured

  • License suspension or revocation

  • Court-ordered reinstatement requirements

Because Florida operates under a no-fault auto insurance system, SR-22 compliance is closely monitored.

How SR-22 Insurance Works in Miami and Florida

Once a qualifying auto insurance policy is issued, the insurer files the SR-22 electronically with the state. In many cases, filings are completed the same day.

Key things drivers should know:

  • SR-22 policies often have higher premiums

  • Some carriers require paid-in-full policies

  • Continuous coverage is mandatory during the SR-22 period

Maintaining the policy without interruption is critical. Even a short lapse can restart the SR-22 requirement timeline.

SR-22 Filing Cost and How It Affects Your Premium

The bigger factor is that an SR-22 requirement usually follows a serious violation or lapse in coverage, which can classify a driver as higher risk. As a result, the monthly premium may increase based on your driving record, prior insurance history, and how the insurer underwrites the policy.
 
In Florida, pricing can also be impacted if your situation requires adding or increasing Bodily Injury (BI) liability coverage, since BI is not required for every driver in Florida but may be needed for reinstatement or to meet certain legal or court-related requirements. The best approach is to review your exact reinstatement requirement and build the policy correctly from the start, so the SR-22 stays active and compliant for the full term.

Non-Owner SR-22 Insurance in Florida

Drivers who don’t own a vehicle may still be required to file an SR-22. In these situations, a non-owner SR-22 insurance policy may satisfy state requirements.

This option is commonly used by drivers who:

  • Borrow vehicles occasionally

  • Rent vehicles

  • Need license reinstatement without owning a car

Non-owner policies typically cost less while still meeting Florida’s SR-22 requirements.

How Long Do You Need SR-22 Insurance in Florida?

Most Florida drivers must maintain SR-22 insurance for up to three years, though the exact duration depends on the violation and court order.

Ending coverage early or missing payments can lead to:

  • License suspension

  • Additional reinstatement fees

  • Restarting the SR-22 requirement period

SR-22 Insurance vs. Commercial Auto Insurance

Some drivers—especially those who use vehicles for work—may require coverage structured under commercial auto insurance in Florida rather than a personal policy.

This can apply to:

  • Business-owned vehicles

  • Drivers transporting goods or passengers

  • Certain high-risk classifications

Drivers facing SR-22 requirements often have insurance needs beyond auto coverage. Depending on how vehicles are used for work, contracting, or daily operations, additional protection may be necessary. Exploring business insurance solutions in Florida can help ensure that liability, vehicle usage, and operational risks are properly addressed under one coordinated insurance strategy.

How an Insurance Agency Helps With SR-22 Filings

An experienced Florida insurance agency can:

  • Determine whether a standard or non-owner policy is appropriate

  • File the SR-22 correctly with the state

  • Help avoid policy lapses

  • Assist with reinstatement timelines

This reduces the risk of delays or compliance issues.

Get Help With SR-22 Insurance in Florida

If you need SR-22 insurance in Miami or anywhere in Florida, working with a licensed insurance professional can make the process significantly easier.

Talk to a local agent who understands Florida requirements and can help you stay compliant throughout the SR-22 period.

Talk to an SR22 Agent Now

 

This article was prepared by licensed insurance professionals at American US Insurance, a Florida insurance agency providing personal and business insurance solutions throughout the state.

Recent Articles