Reference only — the DMV is the authority
Florida uses the FR-44 filing
Florida is one of only two states (the other is Virginia) that use the FR-44 rather than the standard SR-22 after alcohol- or drug-related driving offenses. An FR-44 works like an SR-22 — your insurer files it with the state to prove you carry the required coverage — but it typically requires about double the state’s minimum liability limits, which makes the underlying policy more expensive.
For other financial-responsibility situations that aren’t alcohol- or drug-related, Florida uses the standard SR-22. The typical filing period is commonly about 3 years, though it varies by offense. Confirm which filing applies to your case with the Florida DMV.
Coverage a Florida SR-22 / FR-44 certifies
A standard SR-22 proves you carry at least Florida’s minimum liability limits; an FR-44 requires roughly double these:
Bodily injury / person
$10,000
Bodily injury / accident
$20,000
Property damage
$10,000
Source: Florida minimum liability requirements (State Departments of Insurance, Effective 2025-2026). These are legal minimums, not a recommendation.
On filing duration
Most states require an SR-22 for about 3 years, but it varies by offense — as little as ~1 year (e.g. Connecticut, Kansas, North Dakota) up to 5 years or, in Alaska for serious offenses, as long as 20 years. Always confirm your exact term with your state DMV.
Regulator: auto insurance in Florida is overseen by the Florida Office of Insurance Regulation; your SR-22/FR-44 filing itself is handled by the Florida DMV.
SR-22 in Florida — FAQ
Does Florida require an SR-22?
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Florida uses the FR-44 (a higher-limit filing) after alcohol- or drug-related driving offenses, and the standard SR-22 for other financial-responsibility cases. An FR-44 typically requires about double the state's minimum liability limits.
How long do you need an SR-22 in Florida?
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In Florida, the minimum filing period is commonly about 3 years, though it varies by offense. If your policy lapses while the filing is active, your insurer must notify the state, which can restart the clock or suspend your license — so keep the policy continuously in force.
What coverage does an SR-22 certify in Florida?
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An SR-22 in Florida certifies that you carry at least the state's minimum liability limits: $10,000 per person and $20,000 per accident for bodily injury, and $10,000 for property damage. PIP required; BI not required for most drivers (verify 2026 reform status). These are legal minimums — many drivers carry higher limits.
Related guides and tools
Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed July 2026
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