How Much Does SR22 Insurance Cost?
Florida Auto Plus Insurance Agency
(305) 278-1388
Car insurance with SR22 is an ordinary policy with liability limits that meet or exceed the minimum financial
responsibility requirements of the State where it is issued. Florida SR22 insurance requires bodily injury liability
in the amount of 10,000 per person and 20,000 per accident and property damage liability of 10,000. For a
wide variety of reasons, many drivers are required to demonstrate proof of insurance to
Florida’s Bureau of
Financial Responsibility to reinstate and maintain driving privileges. The SR22 provides proof of such required
insurance. The SR22 Form (document) is completed by the insurance company, and they File (submit) the
Form. Companies are required to notify the bureau of any cancellation or lapse in coverage throughout the
policy period.

Drivers needing Florida car insurance with SR22 are generally identified as high risk drivers due to one or a
combination of specific reasons. Naturally, people who are required to comply, believe they are good drivers
and not more of a risk than anyone else. Often times, the reason for a suspension has nothing to do with how a
person drives. A suspension from failure to pay parking tickets is one example why a safe driver may need
SR22 insurance. Multiple moving violations may be the cause for another driver. To characterize all drivers who
require SR22 as high risk drivers is simply not accurate.

Sometimes the initial cause for the SR22 may actually motivate drivers to be more cautious. For many, it can be
an effective “wake up” call, to stop unsafe driving habits, before something more serious happens. Some of the
safest drivers, as evidenced by their very low loss ratios, are those that have been cited for drinking and
driving. Most people, after the unpleasant and expensive ordeal of having their license suspended for a DUI,
become careful about driving in the future. Such behavior became evident when Florida began to separate DUI
drivers by mandating FR44 insurance policies exclusively for them. In fact, drivers with prior alcohol related
citations have become sought after customers for many companies. Separating DUI drivers with FR44
insurance is a successful and well received program in Florida.

One common trait for both FR44 and SR22 policyholders is that they acted irresponsibly at one time or
another. Going forward, some people will adjust their behavior and become more responsible drivers. This
fluctuation in behavior is difficult to predict and quantify, and therefore presents a challenge for companies to
determine adequate premiums when rating. There are a wide variety of responses between companies and
drivers that require a filing. For example, some companies will cancel an existing policyholder, while others will
charge a very high premium at their renewal. Shopping around before purchasing car insurance with SR22, or
FR44 filing, is a necessity in order to secure the best rate possible.   

After a policy is purchased, the company will file the SR22 in accordance with state procedure. Commonly, this
is completed electronically, as is required in Florida, allowing for quick updated Motor Vehicle Reports.
Sometimes a policyholder may receive a copy of the document, which in turn may be presented to a local
Department of Motor Vehicles office for immediate license reinstatement. Failure to continue insurance, during
the entire mandated time period, will result in additional suspensions and increased fines, while discounts for
prior continuous insurance will be forfeited.

Florida SR22 is mandated for three years and requires a policy to have liability limits of at least 10/20/10. It is
electronically filed with the
Florida Bureau of Financial Responsibility and drivers can typically reinstate their
license the following day.
Florida FR44 insurance, exclusively for DUI drivers, requires liability limits of
100/300/50 and is processed the same way as SR22.
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  • Clifford Schimek - Agent/Owner"


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