Florida SR-22 Requirements: Who Needs One and for How Long
An SR-22 is not insurance. It is a certificate your insurer files with the state to prove you carry coverage.
- Used in this state
- Yes
- Form
- SR-22
Rule 15A-3.005, F.A.C. calls the filing a "certification of liability insurance form (SR-22)". After a DUI the driver must instead prove much higher limits — $100,000 per person, $300,000 per crash and $50,000 property damage — under § 324.023.
- How long it must stay on file
- 3 years
The higher DUI limits must be carried for a minimum of 3 years (§ 324.023). A license and registration suspended after a crash stay suspended for 3 years unless reinstated (§ 324.051(3)), and rule 15A-3.015, F.A.C. bars renewal within 3 years of reinstatement unless coverage is kept in force. Proof filed to clear a no-insurance suspension must be maintained for 2 years (§ 324.0221(3)).
- What triggers it
- A DUI conviction or plea after October 1, 2007 — triggers the higher $100,000/$300,000/$50,000 limits · Driving without the required PIP and property damage coverage · A crash while the required security was not in force · An unsatisfied judgment arising from a crash · A license suspension or revocation for certain other convictions
- If coverage lapses
- License and registration suspended
Insurers must report a cancellation or nonrenewal to the department within 10 days, and the department then suspends both the driver license and the vehicle registration (§ 324.0221(1)–(2)).
- Reinstatement fee
- $150
$150 for a first reinstatement, $250 for a second, and $500 for each subsequent reinstatement during the 3 years following the first (§ 324.0221(3)).