SR-22 & FR-44 · Florida

Florida SR-22 & FR-44 Insurance Certificate Filings

Got a court order or FLHSMV notice? We place your SR-22 or FR-44 policy at the required Florida limits, and your carrier files the certificate directly. Get options fast.

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What exactly is SR-22 insurance, and who needs it in Florida?

An SR-22 is not actually an insurance policy; it is a certificate of financial responsibility filed directly by your insurance carrier to the Florida FLHSMV. It proves you carry the state's mandatory auto liability limits and is typically required to reinstate driving privileges after a suspended license or a major traffic infraction.

SR-22 Insurance in Miami and Across Florida

American US Insurance is a Miami-based independent agency that handles SR-22 and FR-44 filings for drivers across Florida — Miami, Doral, Kendall, Orlando, and statewide. Not every carrier offers certificate filings, and an SR-22 policy must carry 10/20/10 liability limits, higher than the PIP and property damage minimum on a standard Florida policy. So the practical path is quoting carriers that file, not calling around one by one.

That's the gap we close. Send your FLHSMV notice or court paperwork, and a bilingual agent quotes multiple filing carriers, places the policy at the required limits, and puts real options in front of you — no obligation. One requirement handled start to finish, so your license reinstatement doesn't stall on paperwork.

SR-22 vs. FR-44: Which One Do You Need?

Florida is one of only two states that use the FR-44. If your requirement comes from a DUI conviction, Florida orders an FR-44, not an SR-22 — and the limits jump to $100,000 per person / $300,000 per accident in bodily injury liability plus $50,000 in property damage (100/300/50). The SR-22 covers non-DUI cases at 10/20/10. Both certificates are filed with the FLHSMV by your carrier, both typically stay in force for three years, and both require continuous coverage for the full term. Your court paperwork or FLHSMV notice names the certificate you need and the date your requirement starts — bring it to your quote call and we work from the document, not from guesses.

Insurance agent presenting SR-22 and FR-44 filing documents to a driver at the agency counter.

How to Get SR-22 Insurance in Florida

Send us your FLHSMV notice or court paperwork — it states the certificate type, the required limits, and your start date.
An agent quotes multiple carriers that file SR-22 and FR-44 certificates in Florida and places a policy at the required limits. If you already carry auto insurance with us, we check whether your current carrier files certificates before moving you.
Your carrier files the certificate electronically with the FLHSMV. You keep proof of the filing with your policy documents.
Keep the policy active for the entire term — typically three years. If the policy cancels or lapses, your carrier must notify the state with an SR-26 cancellation notice, the FLHSMV can suspend your license again, and your required term can restart from zero. To avoid a lapse, pay each bill on time; our page for Florida insurance online payments links each carrier's billing site.

Non-Owner SR-22 and FR-44 Policies

No vehicle? A non-owner policy attaches the state-required liability limits to you as a driver instead of to a car, and your carrier files the certificate so you can reinstate your license. It covers your liability when you drive vehicles you don't own, such as a borrowed car. And it's a practical route to satisfy a filing requirement while you're between vehicles. If you buy a car later, the policy converts to a standard owner policy and the filing continues without a gap. Our non-owner SR-22 insurance guide walks through each step.

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Get Your Free Florida SR-22 or FR-44 Quote

Send us your FLHSMV notice or court paperwork. A licensed Florida agent will quote SR-22 insurance carriers that file your certificate, often the same day.

SR-22 and FR-44 both handled
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Common Questions

Florida SR-22 & FR-44 Questions, Answered

What exactly is SR-22 insurance, and who needs it in Florida?

What is the difference between a Florida SR-22 and an FR-44?

The difference lies in the triggering violation and the required limits. Florida mandates an FR-44 certificate specifically after a DUI, which requires elevated liability limits of 100/300/50. The SR-22 covers non-DUI suspensions, like driving uninsured, and only requires standard 10/20/10 liability limits.

Who needs to file an SR-22 in Florida?

Drivers ordered by a court or the FLHSMV after violations such as driving without insurance, causing an accident while uninsured, accumulating excessive license points, or reinstating certain suspensions. The requirement letter names the certificate type and your start date.

How long must I maintain an SR-22 filing in Florida?

The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) typically requires you to maintain an active SR-22 or FR-44 filing for three continuous years. Your specific court order sets the exact timeframe, and the clock only runs while your auto coverage remains uninterrupted.

What happens if my Florida SR-22 or FR-44 policy lapses?

If your policy lapses, your insurance carrier is legally required to notify the state immediately via an SR-26 cancellation notice. The FLHSMV will then suspend your driver's license until a new certificate is filed, and your mandatory three-year filing period may completely restart from day one.

Can I obtain an SR-22 in Florida without owning a car?

Yes. You can purchase a non-owner SR-22 or non-owner FR-44 policy, which attaches the state's required liability limits directly to you as a driver rather than to a specific vehicle. This allows your carrier to file the certificate so you can legally reinstate your suspended license.

Will filing an SR-22 make my Florida auto insurance cost more?

The SR-22 certificate itself is just a minor filing fee, but the underlying violation that triggered it marks you as a high-risk driver, significantly raising your premium. Because carriers weigh these violations differently, having an independent agent quote multiple markets is essential to finding an affordable rate.

How quickly can an SR-22 certificate be filed in Florida?

Once your qualifying auto policy is active, insurance carriers electronically file the SR-22 certificate directly with the FLHSMV. This electronic submission is usually very fast, allowing you to proceed with reinstating your license, though exact processing times depend on the state's system.

Do I need an SR-22 filing for a DUI conviction in Florida?

No. Florida strictly requires an FR-44 certificate for DUI convictions, which mandates elevated liability limits of $100,000/$300,000 for bodily injury and $50,000 for property damage. An SR-22 filing will not satisfy a Florida DUI suspension requirement.

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