SR-22 in Florida

Checked against official Florida sources · Last reviewed October 5, 2026

Florida uses two forms. An SR-22 proves basic 10/20/10 liability coverage, and you may need one after events like an injury crash, a points suspension, or a habitual offender suspension when you didn't have that coverage. An FR-44 proves much higher 100/300/50 coverage, and you need one if you were convicted of DUI after October 1, 2007 without those limits at the time.

Your insurer files either form electronically with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). You keep it for 3 years. [1][2][3][5]

Uses SR-22?: Yes
How long: 3 years [1]
After a DUI: 3 years [3]
Base reinstatement fee: $45 [4]
Minimum liability coverage: 10/20/10 [5]

Does Florida require an SR-22?

Yes. Florida requires an SR-22 certification of liability insurance in certain non-DUI cases, and an FR-44 (higher limits) after a DUI conviction. [1]

Form: SR-22 (certificate of liability coverage at 10/20/10) for non-DUI cases; FR-44 (certificate of higher-limits liability coverage at 100/300/50) for DUI convictions after October 1, 2007. Cancellations are reported on an SR-26 or FR-46. [2]

How long do you need an SR-22 in Florida?

3 years. FLHSMV says to maintain the SR-22 for three years from the designated suspension date. [1]

After a DUI

3 years (FR-44). FLHSMV says to maintain the FR-44 for three years from the date the driving privilege is reinstated. [3]

What does reinstatement cost?

$45 driver license reinstatement fee after a suspension ($75 after a revocation, such as for DUI). Separate insurance-related reinstatement fees may also apply. [4]

We couldn't confirm whether Florida charges its own fee to file an SR-22. Your insurer may charge one.

What coverage do you need?

SR-22: $10,000 bodily injury per person, $20,000 bodily injury per crash, $10,000 property damage. FR-44 (DUI) requires 100/300/50. [5]

What happens if your SR-22 lapses?

If the policy you are using as proof is cancelled or terminated, Florida law requires you to return your license and registrations to FLHSMV right away. They stay suspended until you file new proof and keep it in place for the required period. [6]

Don't own a car?

Yes. Florida law accepts an operator's (non-owner) liability policy as proof of financial responsibility. It covers you when you drive vehicles you do not own. DUI filers must still insure any vehicle registered in their name. [7]

Who has to file one?

An SR-22 is needed if you did not have the required liability coverage at the time of an event such as a crash, a points suspension, a habitual offender suspension, a DUI conviction on or before October 1, 2007, or another non-alcohol conviction. An FR-44 is needed if you were convicted of DUI after October 1, 2007 and did not have 100/300/50 coverage at the time of the offense. [2]

Who handles it

The Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Your insurance company files the SR-22 or FR-44 with FLHSMV electronically. [1]

Common questions

What's the difference between an SR-22 and an FR-44?

Both prove you have liability insurance, but the FR-44 is for DUI and needs far higher limits. An FR-44 requires $100,000 bodily injury per person, $300,000 per crash, and $50,000 property damage, or a $350,000 combined single limit. FLHSMV says insurers don't need to file both. [2][3][5]

When does the 3 years start?

For an FR-44, FLHSMV says 3 years from the date your driving privilege is reinstated. For an SR-22, FLHSMV's crash page says 3 years from the designated suspension date. If you're unsure of your end date, ask FLHSMV. [1][3]

How much will it cost to get my license back after a DUI?

FLHSMV charges $75 to reinstate after a revocation, plus a $130 administrative fee for alcohol and drug offenses. If you didn't have 100/300/50 coverage at the time of the offense, you also owe a $150, $250, or $500 financial responsibility reinstatement fee. [3][4][8]

I don't own a car. Can I use a non-owner policy?

Yes. Florida law accepts an operator's policy, which covers you when you drive cars you don't own. After a DUI, though, you must insure every vehicle registered in your name for 3 years. [7][9]

What happens if my SR-22 or FR-44 policy is cancelled?

Your insurer reports it to FLHSMV, on an SR-26 for an SR-22 or an FR-46 for an FR-44. Florida law then requires you to return your license and registrations right away, and they stay suspended until you file new proof. Policies used to reinstate after a DUI must be written for at least 6 months, and the insurer can cancel them only in limited cases. [2][6][10]

I was uninsured in a crash with only property damage. Do I need an SR-22?

FLHSMV says no. It says you need releases from the other parties or a security deposit, plus $10,000 PIP and $10,000 property damage coverage (or you surrender your plate). You'll also pay a reinstatement fee of $150 to $500. Confirm your requirements with FLHSMV. [1]

Sources

FLHSMV - Involved in a Crash? (official agency page, accessed Oct 5, 2026)
FLHSMV - Procedures Manual for Implementation of the Florida Motor Vehicle No-Fault Law and Financial Responsibility Law: Daily Requirements (eff. Feb 25, 2013) (official agency page, accessed Oct 5, 2026)
FLHSMV - DUI Frequently Asked Questions (official agency page, accessed Oct 5, 2026)
FLHSMV - Fees (official agency page, accessed Oct 5, 2026)
Fla. Stat. 324.021 - Definitions; minimum insurance required (statute, accessed Oct 5, 2026)
Fla. Stat. 324.201 - Return of license or registration to department (statute, accessed Oct 5, 2026)
Fla. Stat. 324.151 - Motor vehicle liability policies; required provisions (statute, accessed Oct 5, 2026)
FLHSMV Bureau of Financial Responsibility - Bulletin: FR (4) Cases, Increased BIL/PDL Limits for DUI Cases (Dec 19, 2007) (official agency page, accessed Oct 5, 2026)
Fla. Stat. 324.131 - Period of suspension (statute, accessed Oct 5, 2026)
Fla. Stat. 627.7275 - Motor vehicle liability (statute, accessed Oct 5, 2026)