SR-22 by state · Florida

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.

Iker, founder of Covered Route · Published September 24, 2026 · Requirements verified September 26, 2026 · How we research

100/300/50FR-44 liability limits after a DUI

3 yearsFR-44 period, from reinstatement

10/20/10Minimum bodily injury/property limits on an SR-22

FR-44 or SR-22: which one applies

Filing	When Florida requires it
FR-44	A DUI 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 on or before October 1, 2007, or another non-alcohol conviction
6-month SR-22 (PIP/PDL only)	A conviction for no proof of insurance when you couldn't show the minimum required coverage at the time of the offense; kept for 2 years

Based on the FLHSMV's financial responsibility procedures manual for insurers and Chapter 324 of the Florida Statutes.

The FR-44 after a DUI

Florida statute 324.023 requires drivers with a 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. One FR-44 covers everything: you don't also need an SR-22, and when the FR-44 arrives, an older SR-22 on your record is simply replaced.

A withheld adjudication still counts. The FR-44 applies to anyone found guilty of DUI or who pleads guilty or no contest, "regardless of adjudication of guilt". A judge withholding adjudication doesn't get you out of it. A plea reduced to reckless driving isn't a DUI under § 316.193, so by the statute's terms the FR-44 shouldn't apply to it, though we found no official statement confirming that.

How long

The statute and the FLHSMV's DUI FAQ say you keep the FR-44 for 3 years from the date your driving privilege is reinstated, and you're exempt after that if you've had no further DUI or felony traffic conviction. The FLHSMV's procedures manual for insurers words it as three years from the original suspension date, so check the end date on your own record. A separate rule (§ 324.131) also requires the higher coverage on every vehicle registered to you for those three years.

Cancellation

If the policy is cancelled, the insurer files an FR-46 with the state within 15 days, and the FLHSMV suspends your license again. You may still read that an FR-44 policy has to be "non-cancellable" and paid in full: that was the rule until a 2023 law (ch. 2023-186) rewrote § 627.7275. The statute now only requires a policy written for at least six months, although the FLHSMV's manual hasn't caught up.

Reinstatement fee

If you already carried those limits when the offense happened, you don't need a new FR-44 for this requirement. Otherwise, the FLHSMV's DUI FAQ says reinstatement costs a fee between $150 and $500. For what a Florida DUI does to your premium, see our Florida DUI insurance guide.

Why the jump feels so big. A standard Florida policy only has to include $10,000 of personal injury protection (PIP) and $10,000 of property damage liability, with no bodily injury liability at all. An FR-44 takes you from zero required bodily injury coverage to $100,000/$300,000.

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. Insurers have to file it within 15 working days, and file an SR-26 if the policy is cancelled. After a crash suspension, a points or revocation case, or an unpaid judgment, you keep it for 3 years; the FLHSMV stops requiring the certificate once the case is more than 3 years past the original suspension date.

The narrower no-proof-of-insurance filing is different: a court-ordered SR-22 covering only PIP and property damage, written as a 6-month policy and kept for 2 years from the original suspension date, plus a reinstatement fee of $150, $250 or $500 depending on how many insurance reinstatements you've had in three years (§ 324.0221).

What it costs

Insurers usually charge $15–$25 to file; the FLHSMV doesn't regulate that fee. The higher limits are the real cost. Insurify's Florida data (quotes as of August 31, 2026) compares drivers with and without an FR-44:

Driver	Liability only	Full coverage
Clean record, Florida average	~$142/month	~$237/month
With an FR-44, Florida average	~$167/month	~$279/month
With an FR-44, cheapest found (State Farm)	~$96/month	~$151/month

Averages across Insurify's quotes for drivers aged 20 to 70, not quotes for you. Other publishers' figures vary widely, which is why comparing insurers matters more after a DUI than almost any other time.

More Florida guides

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
Florida Statutes §§ 324.023, 324.0221, 324.131 and 627.7275 (2026; and the 2022 version of § 627.7275 for comparison); Laws of Florida ch. 2023-186 — accessed September 2026
FLHSMV, "DUI FAQs" — accessed September 2026
Insurify, "SR-22 Car Insurance in Florida" (quotes as of August 31, 2026) — 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.