I got suspended in Florida for driving without insurance, not a DUI. Is that SR22 or FR44?

Direct Answer

That’s SR22, not FR44. Florida only requires FR44 after a DUI conviction. Non-DUI violations — like driving without insurance, excessive points, or driving on a suspended license — require a standard SR22 filing.

Florida’s Rule Is Simple

DUI in Florida = FR44. Everything else = SR22. If your license was suspended for:

  • Driving without insurance → SR22
  • Too many points → SR22
  • Driving on a suspended license → SR22
  • At-fault accident while uninsured → SR22
  • DUI or DWI conviction → FR44

Cost Difference

The good news: SR22 is significantly less expensive than FR44 because the coverage limits are lower. Florida’s standard SR22 uses the state’s minimum liability requirements, while FR44 requires $100,000/$300,000/$50,000.

Call (855) 678-6977 for a quote — SR22 for non-DUI violations in Florida is one of the most affordable filings we handle.

Reviewed by Samuel Ridgeway, Licensed Insurance Agent • MO #PR333723 • NPN #17260454
Published: August 30, 2026 Category: FR44 vs SR22

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