If your license has been suspended in Florida due to a serious traffic violation, you may be required to file either an SR-22 or an FR-44 certificate to regain your driving privileges. While both forms are types of financial responsibility filings, they serve different purposes and have different insurance requirements.
In this guide, we’ll break down:
SR-22 insurance is a certificate filed by your auto insurance provider that proves you carry Florida’s minimum required liability coverage. It’s typically required after violations like:
Florida Minimum Coverage for SR-22:
FR-44 insurance is a similar certificate but is required specifically for more severe offenses—most commonly a DUI (Driving Under the Influence) conviction. It comes with significantly higher liability requirements, making it more expensive than SR-22.
Florida Minimum Coverage for FR-44:
SR-22 and FR-44 filings both apply to high-risk drivers in Florida, but they serve different purposes and require different insurance limits.
An SR-22 is required for drivers involved in uninsured accidents, serious violations, or license suspensions. An FR-44 is required after a DUI or DWI conviction or other serious traffic felonies.
The liability limits are very different. An SR-22 requires coverage of 10/20/10, while an FR-44 requires much higher limits of 100/300/50, which is why FR-44 insurance is more expensive.
Filing fees for both forms generally range from fifteen to fifty dollars, and both filings typically must be maintained for three years. Insurance premiums increase for both, but FR-44 policies raise rates significantly more due to the higher risk and required coverage levels.
For both filings, the insurance company—not the driver—submits the form electronically to the Florida Department of Highway Safety and Motor Vehicles.
SR-22: Required if your license is suspended due to non-DUI violations like no insurance, too many points, or reckless driving.
FR-44: Required after a DUI or DWI conviction in Florida, due to the severity of the offense and the state’s stricter liability requirements.
Not sure which one applies to you? White Chip Insurance can help you determine which filing is required and walk you through the process step by step.
Yes. If you don’t own a vehicle, you can file a non-owner SR-22 or FR-44 policy to maintain legal compliance and reinstate your license.
White Chip Insurance offers non-owner high-risk insurance policies throughout Florida, ideal for drivers who rent or borrow vehicles but still need to meet state requirements.
At White Chip Insurance, we’ve helped thousands of Florida drivers—especially those with DUI convictions, license suspensions, and high-risk profiles—get back on the road legally and affordably.
Here’s how we make it easy:
Whether you're in Tampa, Miami, Orlando, or anywhere in Florida, our team is ready to help you file today.
Understanding the difference between SR-22 and FR-44 insurance in Florida is key to staying compliant and getting your driving privileges back after a violation. While both serve similar purposes, the severity of your offense determines which filing you need.
Need help fast? Let White Chip Insurance guide you through the process, compare quotes, and file the right form—so you can drive legally again without overpaying.
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Yes, but your new provider must file the certificate immediately to avoid a lapse in coverage.
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