Need FR-44 or SR-22 Insurance in Florida? Read This

If you’ve recently faced a license suspension or a major traffic violation in Florida, you may have been informed that you need an FR-44 or SR-22 filing to reinstate your driving privileges. This process can feel overwhelming, but we’re here to make it simple for you!

What is an FR-44 or SR-22?

An FR-44 or SR-22 is not an insurance policy but a certificate that proves you carry the required amount of car insurance mandated by the state. Here’s the key difference:

• SR-22: Required for drivers who have committed violations such as driving without insurance, reckless driving, or multiple traffic offenses. The state requires this proof to ensure you meet minimum insurance requirements.
• FR-44: Specifically required for individuals with DUI or DWI convictions. This filing has higher liability insurance limits than an SR-22.

Why Do I Need an FR-44 or SR-22?

If your license has been suspended due to: ✔️ A DUI or DWI conviction ✔️ Reckless driving ✔️ Driving without insurance ✔️ Multiple traffic violations in a short period ✔️ At-fault accidents without proper coverage

Then the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) may require you to obtain an FR-44 or SR-22 to reinstate your license.

How to Get an FR-44 or SR-22 in Florida

The process of obtaining these filings is straightforward when working with the right insurance provider. Here’s what you need to do:

1. Find a High-Risk Auto Insurance Provider – Not all insurance companies offer FR-44 or SR-22 policies. Make sure you work with a provider experienced in high-risk filings.
2. Choose the Right Coverage – Florida requires specific liability coverage minimums:
   • SR-22: At least $10,000 per person and $20,000 per accident for bodily injury liability, plus $10,000 for property damage.
   • FR-44: Minimum $100,000 per person, $300,000 per accident for bodily injury, and $50,000 for property damage (significantly higher than an SR-22).
3. File the Certificate with the State – Your insurance provider will submit the required form electronically to the FLHSMV.
4. Make Timely Payments – FR-44 and SR-22 policies must be maintained without lapse for a specific period, typically three years.

How Much Does FR-44 or SR-22 Insurance Cost?

Since these filings are for high-risk drivers, the cost can be higher than standard auto insurance. Factors influencing your premium include: ✅ Driving history ✅ Type of violation ✅ Vehicle type ✅ Coverage limits selected

To get the best rate, it’s essential to compare quotes and explore discounts such as bundling with other insurance policies or taking defensive driving courses.

We Make the Process Easy for You!

At 1st Liberty Insurance Agency, we specialize in helping Florida drivers navigate the FR-44 and SR-22 filing process quickly and affordably. We understand that getting back on the road is essential, and we’re committed to providing hassle-free solutions tailored to your needs.

📞 Call us today at 772-446-9226 or get a free quote online 1stlibertyins.com to start your FR-44 or SR-22 filing and regain your driving privileges ASAP!

Frequently Asked Questions

1. How long do I need to maintain an FR-44 or SR-22?
   Most drivers are required to maintain their filing for three years from the date of reinstatement, but this can vary based on the violation.
2. Can I switch insurance companies while having an active FR-44 or SR-22?
   Yes, but your new insurer must file the certificate immediately to avoid a lapse in coverage, which could result in another suspension.
3. Can I get FR-44 or SR-22 insurance if I don’t own a car?
   Yes! You can get non-owner SR-22 or FR-44 insurance, which covers you when driving a borrowed or rental vehicle.
4. What happens if my policy lapses?
   If your coverage lapses, the insurance company will notify the state, leading to another license suspension and potentially restarting the filing period.

Get Back on the Road with Confidence!

Don’t let a past mistake keep you from driving legally in Florida. Let our experts at 1st Liberty Insurance Agency help you secure the right FR-44 or SR-22 coverage today.

📞 Call us now at 772-446-9226 or Get a Free Quote Online! 1stlibertyins.com