Sr22 Insurance in Florida: Everything You Need to Know

If you are looking for SR22 insurance in Florida, you may have a lot of questions. SR22 insurance is a type of car insurance that is required for drivers who have had their license suspended or revoked. It is also required for drivers who have been convicted of certain offenses, such as DUI or DWI.

What is SR22 Insurance?

SR22 insurance is simply a certificate that proves that you have the required amount of liability coverage. It is often referred to as a financial responsibility certificate. It is usually required for drivers who have been convicted of certain offenses or who have had their license suspended or revoked.

The SR22 certificate is filed with the Florida Department of Highway Safety and Motor Vehicles. It provides proof that you have the required insurance coverage, and it must be maintained for a specified period of time.

How Long Do You Need SR22 Insurance in Florida?

The length of time that you need to have SR22 insurance in Florida depends on the reason why you are required to have it. In general, you will need SR22 insurance for three years. However, if you have multiple offenses, you may need to have it for longer.

It is important to note that you must maintain your SR22 insurance during this time. If you allow your coverage to lapse, your license may be suspended or revoked again.

What Offenses Require SR22 Insurance in Florida?

There are several offenses that may require you to have SR22 insurance in Florida. These include:

If you have been convicted of any of these offenses, you will need to have SR22 insurance in order to get your license reinstated.

How Much Does SR22 Insurance Cost in Florida?

The cost of SR22 insurance in Florida can vary depending on several factors. These include your driving history, the type of car you drive, and the amount of coverage you need.

Generally, you can expect to pay a higher premium for SR22 insurance than you would for regular car insurance. However, the cost of not having insurance is much higher.

How Can You Find Affordable SR22 Insurance in Florida?

If you are looking for affordable SR22 insurance in Florida, there are several things you can do. First, shop around and compare rates from different insurance companies.

You can also consider raising your deductible or reducing your coverage limits to save money. However, be sure to maintain the required amount of liability coverage.

Conclusion

If you need SR22 insurance in Florida, it is important to understand why you need it, how long you need it, and how much it will cost. By shopping around and comparing rates from different insurance companies, you can find affordable coverage that meets your needs.

Remember, SR22 insurance is required by law, and failing to maintain it can result in further penalties and fees. So, be sure to maintain your coverage for the required length of time.