SR-22 Insurance Explained: What Is It and When Do You Need It?

While the term “SR22 insurance” is frequently used, an SR22 is actually a certificate your insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to show you carry the state’s minimum required auto liability coverage. This form is often required for drivers considered “high-risk” due to certain violations or incidents.

When Is This Required in Florida?

You may need to obtain an SR-22 if:

• Your license has been suspended or revoked due to serious traffic violations, such as DUI or reckless driving.
• You have been caught driving without insurance or a valid license.
• You need to reinstate your driving privileges after a suspension.
• You have accumulated too many points on your driving record.

The state may mandate an SR-22 filing for a set period, typically around 3 years, but the exact duration can vary depending on your situation.

How Does SR-22 Affect Your Insurance?

Having an SR-22 requirement means insurers consider you a higher risk, which can affect your rates. It is important to maintain continuous coverage, as any lapse can result in another license suspension.

How Ryan A Gomez Agency, LLC Can Help

Our team works with multiple insurance companies to help you file your SR-22 promptly. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.