If you’ve received a notice in the mail from the DMV asking you to provide an SR-22 you may wonder what that form is and why you’re being asked for it. An SR-22 request typically follows these driving events:
- You have several traffic violations — such as speeding tickets — in the last six months
- You’ve been convicted of a DUI
- Your license was suspended for failing to pay child support
- You caused an accident and didn’t have car insurance
Any of these types of situations could trigger the Florida DMV to request you submit an SR-22. With insurance in place, obtaining an SR-22 form in Florida is not that difficult, but there are a few important aspects of the process to understand.
SR-22 insurance in Florida
It is a common assumption that “SR-22” is a type of insurance. It technically isn’t, although car insurance is tied to the SR-22. The SR-22 is a document — a “Certificate of Financial Responsibility” to be exact. The certificate is created by your insurance company to assert that you have the minimum amount of insurance the State of Florida requires for all drivers.
Before your insurance company provides you with a Florida SR-22 certificate, you’ll need to have car insurance. By providing an SR-22 certificate, the insurance company is making a guarantee to Florida’s DMV that you have a valid auto insurance policy and you’re financially responsible for any damages you may cause in the event of an accident.
Cost of SR-22 insurance in Florida
The costs associated with an SR-22 extend beyond the fee for the actual certificate, which is typically between $15-$25.
If your license has been suspended or revoked, it means you have a number of serious traffic violations on your driving record. Car insurers will consider you a risky-to-insure driver who is more likely to cause an accident or be involved in expensive insurance claims that the car insurance company may end up financially responsible for. Therefore, you may qualify for coverage, but it will generally come at a higher price.
Not all car insurance companies provide SR-22’s in Florida, possibly because of the increased risk the driver represents. As long as the traffic incident(s) that led to the need for an SR-22 remain on your record, you’ll need to maintain the more expensive car insurance.
In Florida, you’ll need to keep your SR-22 certificate (and corresponding insurance) in force for three years, which reflects the time it will take for the violations to get removed from your driving record.
If you stop paying for the coverage in the three-year period, your insurance company that certified that you have the legal amount of coverage required will likely report you. Failure to remain insured under an SR-22 certificate can lead to your driver’s license getting suspended or revoked.
Non-owner SR-22 insurance for Florida drivers
What happens if you’ve been asked to provide an SR-22 before the DMV will reinstate your driver’s license, but you don’t own a vehicle? You can still get car insurance by purchasing a non-owner car insurance policy. Non-owner car insurance covers you and not your car. This means you’ll be insured if you drive someone else’s vehicle. Once you purchase non-owner auto insurance, the insurer can issue a Florida SR-22 certificate so you can request to have your driver’s license reissued.
Frequently asked questions
How do I get an SR-22?
To get an SR-22, you’ll need to follow a couple of steps. If you already have car insurance, contact your insurance company, ask for an SR-22 and pay the fee. The insurance company will issue you a copy and send the original directly to the state. If you don’t have insurance, you’ll need to purchase coverage first before the insurance company drafts the SR-22.
How much does SR-22 insurance cost in Florida?
SR-22 forms cost between $15-$25 on average, but your car insurance rates will likely increase if the need for an SR-22 is based on a major infraction on your driving record.
Who sells SR-22 certificates in Florida?
Not every car insurance company in Florida issues SR-22 certificates. Among the companies that do, GEICO, USAA, American Family and The General provide SR-22 forms to Florida drivers.
Can I cancel my SR-22 after my license gets reinstated?
Insurance for an SR-22 in Florida must remain paid and up-to-date for three years. If you cancel your car insurance or can’t afford to pay it and the policy lapses, your insurance carrier will report you to the DMV and your SR-22 certificate would become invalid. Your driver’s license can also be suspended or revoked.