Need an SR-22 or FR-44 in Florida? We file it fast, so you can get back on the road.
An SR-22 or FR-44 isn’t a type of insurance — it’s a certificate your insurer files with the state to prove you carry the required liability coverage. We handle the whole thing for you, often the same day, and explain every step in plain language.
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Same-day filing available — most drivers can be covered and filed within the hour.
What an SR-22 / FR-44 really is — and how we make it painless
If the state told you that you need an SR-22 or FR-44, it means you have to prove you carry at least the minimum required liability coverage for a set period — usually three years in Florida. The SR-22 is the standard certificate; the FR-44 is Florida’s higher-limit version, required after a DUI conviction. We set up a policy that meets the exact requirement, electronically file the certificate with the FLHSMV, and stay on top of it so your filing never lapses (a lapse can restart the clock or re-suspend your license).
How we help high-risk and reinstating drivers
Same-day SR-22 filing
In most cases we can bind a policy and file your SR-22 electronically with the state the same day, so you can reinstate quickly.
FR-44 for Florida DUI cases
A Florida DUI requires an FR-44 with higher liability limits (100/300/50). We set up a compliant policy and file it correctly the first time.
Coverage when others say no
Been non-renewed or turned away after a violation? We specialize in getting reinstating and high-risk drivers properly covered.
We keep the filing active
Let a payment lapse and the state is notified automatically. We monitor your policy so the certificate stays in force for the full required term.
Help understanding your requirement
Not sure if you need an SR-22 or FR-44, or for how long? We read your reinstatement letter with you and explain exactly what the state wants.
A plan to lower your rate over time
A filing requirement isn’t forever. We’ll review your policy each renewal and move you toward a better rate as your record improves.
A real office, 10 minutes away
We’re at 33550 S Dixie Hwy, Suite 102, Florida City — serving drivers across Homestead, Leisure City, Naranja and South Miami-Dade. Walk in, call, or text. We handle SR-22 and FR-44 filings quickly and confidentially, and we’ll help you reinstate as fast as the state allows.
33550 S Dixie Hwy, Suite 102
Florida City, FL 33034
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SR-22 & FR-44 in Florida — common questions
What is an SR-22?
An SR-22 is a certificate of financial responsibility your insurance company files with the state to prove you carry at least the minimum required liability coverage. It’s often required to reinstate a license after a violation such as driving without insurance or too many points.
What’s the difference between an SR-22 and an FR-44 in Florida?
An FR-44 is unique to Florida (and Virginia) and is required after a DUI/DWI conviction. It works like an SR-22 but requires much higher liability limits — 100,000/300,000 bodily injury and 50,000 property damage, versus Florida’s standard minimums.
How long do I have to carry it?
In Florida it’s typically three years of continuous coverage. If your policy lapses during that period, the clock can restart and your license can be re-suspended — which is why keeping the filing active matters.
How fast can you file it?
Usually the same day. Once we set up a compliant policy, we file the certificate electronically with the FLHSMV, often within the hour during office hours.
Will an SR-22 raise my rates?
The filing itself is a small fee, but the violation behind it usually affects your premium. We work to get you the best available rate now and lower it at each renewal as your record improves.
This is general information, not legal advice or policy language. SR-22/FR-44 requirements, limits, and timeframes are set by the state and your specific case — confirm your exact requirement with the FLHSMV or your reinstatement letter.