Florida SR-22 & FR-44 High-Risk Auto Insurance

Florida requires 10/20/10 liability for standard drivers, but FR-44 filers must carry 100/300/50 limits. DUI convictions, uninsured accidents, and repeat violations trigger higher mandatory limits through FR-44 certification. Minimum limits expose you to out-of-pocket liability in serious crashes — many high-risk drivers carry 100/300/100 or higher to protect assets during the three-year filing period.

SR-22 is a certificate filed by your insurer with the Florida DHSMV proving you carry continuous coverage. Required after license suspension for uninsured accidents, accumulating points, or driving without insurance — but not for DUI, which requires the stricter FR-44. Any lapse triggers immediate license suspension and restarts the three-year clock, so continuous coverage with an SR-22-approved carrier is mandatory throughout the filing period.

FR-44 is Florida's high-risk certification for DUI and repeat DUI offenders, requiring double the standard liability limits. Your insurer must file FR-44 with the DHSMV before license reinstatement, and you must maintain these elevated limits for three consecutive years. Dropping coverage or reducing limits below FR-44 requirements triggers automatic license revocation and extends the filing period.

If an uninsured driver hits you during your SR-22 or FR-44 filing period, UM coverage protects you from out-of-pocket medical and repair costs.