FR-44 and SR-22 in Florida: Who Needs Which
Florida has two filings. A DUI means FR-44, with limits far above anything a standard Florida policy requires. Most other cases mean an SR-22.
FR-44 or SR-22: which one applies
| Filing | When Florida requires it |
|---|---|
| FR-44 | A DUI conviction after October 1, 2007, if you didn't already carry 100/300/50 liability coverage at the time of the offense |
| SR-22 | When you didn't have the required liability coverage at the time of a crash, a points suspension, a habitual offender suspension, a DUI conviction on or before October 1, 2007, or another non-alcohol conviction |
| Non-cancellable 6-month SR-22 (PIP/PDL) | A conviction for no proof of insurance when you couldn't show the minimum required coverage at the time of the offense |
The FR-44 after a DUI
Florida statute 324.023 requires drivers convicted of DUI to carry liability insurance of $100,000 for injury or death of one person, $300,000 for two or more people, and $50,000 for property damage, or a $350,000 combined single limit. Your insurer proves it by filing an FR-44, which you must keep for 3 years from the date your driving privilege is reinstated. The FLHSMV processes it as a non-cancellable certificate, and if the policy is cancelled the insurer files an FR-46 to tell the state.
If you already carried those limits when the offense happened, no reinstatement fee applies for this requirement; if you didn't, the FLHSMV charges a reinstatement fee of $150, $250 or $500. For what a Florida DUI does to your premium, see our Florida DUI insurance guide.
The SR-22 for everything else
A Florida SR-22 certifies bodily injury liability of at least $10,000 per person and $20,000 per crash, $10,000 of property damage liability, plus PIP. The insurer files an SR-26 if the policy is cancelled. The FLHSMV's procedures stop requiring a certificate once the case is more than 3 years old.
Virginia is the only other FR-44 state
Virginia also uses FR-44, but sets its limits differently: double its own minimum, currently 100/200/50. See FR-44 and SR-22 in Virginia.
Related: When does my SR-22 end? (calculator) · Driving with a suspended license in Florida · Reckless driving in Florida · Driving without insurance in Florida · Car insurance after a DUI in Florida · SR-22 requirements in every state
Sources
- Florida HSMV, "DUI Frequently Asked Questions" (FR-44 limits, 3-year period, reinstatement fees) — accessed September 2026
- Florida HSMV, "Procedures Manual for Implementation of the Florida Motor Vehicle No-Fault Law and Financial Responsibility Law" (SR-22, SR-26, FR-44, FR-46 transactions) — accessed September 2026
- Florida HSMV, Bulletin of December 19, 2007 (FR-44 under section 324.023) — accessed September 2026
- Florida HSMV, "Florida Insurance Requirements" — accessed September 2026
Every requirement on this page was checked against the official source above. See our methodology and disclaimer — this page is general information, not legal advice. Your suspension notice from the state is the final word on what you personally need.