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SR22 and FR44 Insurance Requirements in Florida

Practical Florida insurance guidance from Hancy’s Insurance Agency. Compare coverage and request help from a licensed agent.

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Quote details

Desired coverage start dateCurrent insurance companyCurrent coverage limits and deductiblesClaims or losses in the past five years — dates and amounts

Coverage informationGaraging or storage addressAll vehicles / equipment: year, make, model, VIN or hull ID, value, ownership / lenderAll drivers / operators: name, birth date, license number and state, experienceAccidents, tickets, suspensions, or violations — dates and detailsPersonal / business use, annual mileage, and operating radiusRequested liability limits, comprehensive / collision deductibles, and additional coverages

Coverage informationLegal business name and DBABusiness addressDescribe all business operations and servicesYears in business and owner experienceAnnual revenueAnnual payrollNumber of employeesSubcontractor work, annual cost, and insurance requirementsCoverage requested, limits, equipment / property values, and contract requirements

Coverage informationUSDOT and MC numbers, if applicableOwn authority / leased operator / new ventureNumber of vehiclesOperating states and maximum radiusCargo types, maximum cargo value, and hauling percentagesRequired filings and broker / shipper / customer limits

Coverage informationFull property addressProperty type and occupancy: owned / rented / vacant / tenant occupiedYear builtSquare footageConstruction type and number of storiesRoof type, age, and replacement yearPlumbing, electrical, HVAC updates and datesDwelling replacement value, belongings value, liability limit, and deductiblesPools, pets, outbuildings, security, prior damage, and other property details

Coverage informationDate of birthPolicy type and term lengthDesired coverage amountTobacco / nicotine use and last useHealth conditions, medications, height and weightExisting life coverageBeneficiary relationship and purpose of coverage

Coverage informationEveryone needing coverage: names, birth dates, relationship, ZIP, and tobacco useIndividual / family / Marketplace / Medicare / employer planEstimated annual household income and tax household sizeDesired start date, qualifying life event and date, or Medicare eligibilityDoctors, hospitals, dentists, and providers you want to keepPrescriptions, dosages, and frequencyCurrent coverage and employer coverage availability

Coverage informationEach pet: name, species, breed, birth date, sex, and ZIPPre-existing conditions, medications, and veterinary historyRequested annual limit, reimbursement percentage, deductible, and wellness coverage

Coverage informationUnderlying home / renters / auto / boat policies, carriers, limits, and renewal datesHousehold members, drivers, vehicles, properties, rentals, pools, and other exposuresRequested umbrella limit

Coverage informationRecords held, business systems, online revenue, and prior cyber incidentsMFA, backups, encryption, employee training, and security controls

Coverage informationProfessional services, qualifications, client types, and largest contractsPrior professional liability coverage and retroactive date

Anything else HIA should know?

If you are researching SR-22 insurance in Florida, begin with the notice or order that applies to your driver record. A financial-responsibility certificate and an ordinary insurance card serve different purposes. Do not assume another state’s rules apply to your case.

What the official Florida guidance says

Florida distinguishes SR-22 and FR-44 certifications. FLHSMV’s filing instructions identify FR-44 liability limits of $100,000 per person, $300,000 per accident and $50,000 property damage. The required certificate, coverage and maintenance dates depend on the sanction. Do not substitute an ordinary insurance card or an SR-22 for an FR-44 requirement. Read the official source.

Give your agent the complete instructions

The state or agency requiring proof and the notice date.
The exact certificate requested and applicable limits.
The required start and end dates, if supplied.
Whether you own a vehicle or regularly use one.
Any other state involved in a suspension or move.

Verify before purchasing

Ask whether the proposed insurer can provide the document requested. If you do not own a vehicle, describe access to household and work vehicles before asking about non-owner coverage. Confirm who sends the filing and how you check that the agency received it.

Keep the requirement separate from other obligations

An insurance purchase does not itself confirm license reinstatement. Check outstanding fees, restrictions and other steps with the licensing agency. Keep a record of payments and renewal dates, and ask the agent before changing or canceling required coverage.

HIA can review available insurance options. The licensing agency determines your individual filing and reinstatement requirements.

Review your Florida options with HIA

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Reviewed October 10, 2026. General educational information. Policy terms, underwriting and your individual circumstances control coverage.