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Florida SR22 Insurance

What is an SR22?

An SR22 is a form you file with your auto insurance company that they then register with the state. It is done in the event that you commit a severe traffic violation. The form tells the state that you carry the required minimum liability auto insurance.

Does Florida Require An SR22 Filing?

Yes and no.

The state of Florida requires an SR22 to be filed with your auto insurance company in the event you are found to be a high-risk driver after a major traffic violation, excluding driving under the influence (DUI) and driving while impaired (DWI). Those fall under a different form known as an FR44. If you have committed violations along the lines of reckless driving or having too many speeding tickets, that is where an SR22 could be required.

As previously mentioned, an SR22 for assures the state of Florida that you carry the minimum liability insurance coverage with your auto insurance company:

  • $10,000 for bodily injury per person
  • $20,000 for bodily injury per accident
  • $10,000 for property damage per accident

The period of time Florida requires you to maintain an SR22 can vary, but in most cases, it is required for three years.

What is an FR44?

An FR44 is required in the event that you are convicted of a DUI or DWI. Besides their circumstances for requirement, an FR44 greatly differs from an SR22 when it comes to minimum liability insurance coverage. Listed below is what you’ll be required to carry with your insurance if having to file an FR44:

  • $100,000 for bodily injury per person
  • $300,000 for bodily injury per accident
  • $50,000 for property damage

Florida requires you to carry an FR44 for three years. Failure to maintain will result in the revocation of driving privileges.

Florida DUI Convictions

Florida keeps their strict DUI/DWI consequences going with their penalties beyond filing an FR44. After your first conviction, you could be facing a fine anywhere between $500 and $1000. If blood alcohol content (BAC) is over 0.15, the fine can be between $1,000 and $2,000. Regarding jail time, a first offense could land you in jail for up to six months and even higher depending on your BAC. Penalties escalate in subsequent offenses. Impoundment of your vehicle could also be on the table, depending on your case.

Ignition Interlock Device (IID) Requirement in Florida

If convicted, the state of Florida may require you to install an ignition interlock device (IID) on your car. An IID is a device that prevents your car from starting if it detects alcohol on your breath or if you fail to provide it with a breath test. The allotted time an IID can be mandated for varies based on your number of convictions and blood alcohol level (BAL).

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