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Getting and maintaining an SR-22 in Florida doesn’t have to be frightening or expensive. Compare your options for filing your SR-22 and getting the car insurance coverage you need.
Filing for an SR-22 requires a nominal fee of $15 to $25. The bigger cost, however, is the higher policy premiums that will likely result from an SR-22’s impact on your driving record.
Marks on your driving records typically place you in a high-risk pool of drivers, which increases your monthly premium. Insurers may also require you purchase a year’s worth of coverage up front, rather than pay monthly.
Check with your insurance provider to determine how much your rates are likely to rise, and ensure that you maintain coverage.
If you’re required to file for an SR-22, you’ll follow a few simple steps:
Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Florida car insurance.
In most cases, Florida requires that you maintain your SR-22 for three years. Six-month noncancelable SR-22 filings are required for two years.
If your SR-22 lapses for any reason, perhaps due to failing to make a policy payment, the state can suspend your license until your policy is renewed.
To ensure no lapses in coverage and the additional costs that come with, pay your premium as early as possible in your billing cycle. Most insurance agencies are required to notify the state if a policy is not renewed within 15 days of expiration.
Once your mandate ends you’ll be able to cancel your current policy without reprimand from the courts and move to something new. It may be worth talking with the DMV before making any insurance changes to verify that you’re clear to switch away from your SR-22 approved plan.
Your state DMV will let you know if you need to file an SR-22. You may be required to get an SR-22 in Florida if:
Florida requires three types of SR-22 forms, depending on your conviction:
Also called an FR-22, and SR-44 is a document required for drivers convicted of a DUI. Florida is one of only two states that requires one. You’re also required to pay for your annual policy in full, rather than in monthly installments.
An SR-44 comes with higher liability requirements and more strict restrictions than an SR-22:
Even if you no longer have a license or vehicle, Florida requires you maintain insurance as a condition of eventually having your license reinstated.
Non-owner SR-22 insurance is different from typical coverage:
If you have an SR-22 from another state, your insurer will need to certify in writing that your policy complies with Florida law and that they’re licensed to do business in Florida before you can legally get behind the wheel.
Compare SR-22 car insurance from companies near you.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
A serious driving conviction can lead to your needing one of three SR-22 forms, and you may need to switch to a different one throughout the period if your circumstances change. Keep on top of your payments, annual filings and any required changes to help avoid extending the mandate.
Your premiums may suffer, but there are still options available. Take your time and compare providers before rushing into a new plan.
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