If you’ve been convicted of a DUI in Florida, you’re likely required to file an SR-22 certificate to reinstate your driver’s license. This process can feel overwhelming, but it doesn’t have to be. With the right information—and the right partner—you can get back on the road quickly and affordably.
In this guide, we'll walk you through:
Despite the name, SR-22 is not an insurance policy. It’s a certificate of financial responsibility your insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). It proves you carry the state-required minimum auto liability coverage.
In Florida, drivers are required to file an SR-22 after serious violations like:
Florida law requires drivers convicted of a DUI to demonstrate financial responsibility. This ensures that if you’re involved in an accident, you can pay for damages or injuries.
After a DUI, you must maintain continuous SR-22 coverage for 3 years to keep your license valid. If the policy lapses, your insurer must notify the state—leading to immediate license suspension.
Step 1: Contact a Licensed Insurance Agent
Not all insurance companies file SR-22 forms. Work with an agency, like White Chip Insurance, that specializes in high-risk drivers and offers fast, affordable SR-22 filing.
Step 2: Purchase a Car Insurance Policy
You must buy a policy that meets or exceeds Florida’s minimum liability limits:
If you’ve had a DUI, you may also be required to file an FR-44, which has higher limits.
Step 3: Ask the Insurer to File the SR-22
White Chip Insurance will file the SR-22 electronically with the FLHSMV. Once submitted, your license can be reinstated and you will be back on the road in no time.
Step 4: Pay the Filing Fee
SR-22 filing fees in Florida typically range from $15 to $50, depending on the insurer.
While the SR-22 filing itself is inexpensive, your car insurance premium will increase significantly after a DUI. On average:
Factors That Influence SR-22 Insurance Costs:
White Chip Insurance compares quotes from top providers to find you the best rate, even with a DUI or suspended license.
Yes! If you don’t own a vehicle, you can get a non-owner SR-22 insurance policy. It covers you when driving borrowed or rental vehicles and helps reinstate your license after a DUI.
White Chip Insurance offers non-owner SR-22 policies for drivers across Florida—including those in Tampa, Orlando, Miami, Fort Lauderdale, and beyond.
Failing to file an SR-22 when required can lead to:
Don’t risk it. Let White Chip Insurance help you file your SR-22 fast, so you can stay legal and avoid further complications.
At White Chip Insurance, we specialize in helping high-risk drivers get the coverage they need—fast. Whether you’ve had a DUI, need SR-22 or FR-44 insurance, or just want to compare rates, we’re here to help.
Call now or use our free online quote tool to get started in minutes.
If you’re dealing with a DUI and need affordable SR-22 insurance in Florida, you don’t have to navigate it alone. White Chip Insurance is here to simplify the process, help you stay compliant, and get you back on the road today, without overpaying.
Next Steps:
Typically, you must maintain SR-22 coverage for three years from the date of license reinstatement.
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