SR-22 Insurance in Miami, Florida | Fast SR-22 Filing

Dealing with an SR-22 filing in Florida can feel overwhelming — especially when it’s tied to a license suspension or court requirement. Many drivers hear the term “SR-22 insurance” and aren’t sure what it really means or how to get it filed correctly.

That’s where we come in. At American US Insurance, we help drivers in Miami, Kendall, Hollywood, Orlando, and throughout Florida complete SR-22 filings quickly and correctly so they can move forward with confidence.

What Is SR-22 Insurance in Florida?

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

This filing proves that you carry the minimum liability insurance required by Florida law after being classified as a high-risk driver. The SR-22 requirement is typically ordered by a court or the state following serious driving violations.

Why Drivers Are Required to File an SR-22

Florida drivers are commonly required to file an SR-22 for reasons such as:

• DUI or DWI convictions

• Accumulating too many points or traffic violations

• Driving without insurance

• At-fault accidents while uninsured

• License suspension or revocation

• Reinstating driving privileges

Each situation is different, but the goal of the SR-22 filing is the same: to verify continuous insurance coverage for a specific period of time.

How Long Is SR-22 Required in Florida?

In most cases, an SR-22 filing in Florida is required for up to three years, depending on the violation. During this period, your insurance policy must remain active without lapses.

If coverage is canceled or expires, the insurer is required to notify the state — which can result in another license suspension. That’s why choosing the right policy and maintaining continuous coverage is critical.

Cost of SR-22 Insurance in Florida

There is usually a small filing fee for submitting the SR-22 form. However, insurance premiums may be higher because SR-22 drivers are considered higher risk.

Depending on your situation:

• Rates may increase

• Full policy payment may be required upfront

• Coverage options may vary

We help you explore affordable SR-22 insurance options, including alternatives that still meet Florida requirements.

Non-Owner SR-22 Insurance in Florida

If you do not own a vehicle but still need to file an SR-22, a non-owner SR-22 policy may be the right solution.

Non-owner SR-22 insurance is often used by drivers who:

• Don’t currently own a car

• Borrow or rent vehicles occasionally

• Want to reinstate their license before purchasing a vehicle

This option can be more affordable while still meeting Florida’s SR-22 requirements.

SR-22 Insurance for Miami & Florida Drivers

Every state has its own SR-22 rules, and Florida is no exception. We regularly assist drivers in:

• Miami & Miami-Dade County

• Kendall

• Hollywood

• Orlando

• All of Florida

Our team understands Florida’s filing process and works directly with insurers to ensure your SR-22 is submitted accurately and on time.

We Make the SR-22 Process Easier

Needing an SR-22 often comes during an already stressful time. Our goal is to make this process simple, clear, and fast, so you can focus on getting back on the road legally.

If you’re unsure what type of SR-22 policy you need or how to get started, we’re here to help.

Call Now for SR-22 Insurance Help