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SR-22 Insurance for Non-Owners in Florida
Key takeaways
- DUI cases need an FR-44 at 100/300/50.
- Non-DUI cases need an SR-22 at 10/20/10.
- FR-44 policies often must be paid in full up front.
Florida runs two tracks. Most suspensions call for an SR-22, but a DUI calls for the FR-44, with far higher liability limits. Both can be written on a non-owner policy.
- Form required
- SR-22 or FR-44
- Liability minimum
- 10/20/10 (SR-22) or 100/300/50 (FR-44)
- How long
- Typically 3 years
- Who processes it
- Florida Department of Highway Safety and Motor Vehicles
How to get a non-owner SR-22 in Florida
- Confirm with FLHSMV whether you need an SR-22 or an FR-44
- Buy a non-owner policy at the required limits
- Have the insurer file the form electronically
- Complete DUI school and any interlock requirement
- Keep coverage active for the full period
What makes Florida different
Florida car owners usually aren't required to carry bodily injury liability, which surprises people. SR-22 and FR-44 filers are the exception, because they must carry it. The FR-44's 100/300/50 limits make Florida DUI coverage some of the most expensive in the country, so comparing carriers matters.
Florida questions drivers ask
How do I know whether I need an SR-22 or an FR-44 in Florida?
A DUI-related suspension requires an FR-44. Most other suspensions require an SR-22.
Can I make monthly payments on a Florida FR-44?
Often only after the first term. Many FR-44 policies must be paid in full at the start.
State rules change. Confirm your requirements with the Florida Department of Highway Safety and Motor Vehicles before you buy a policy.