Florida Non Owner SR22 Insurance – Campbellton, Florida

SR22 Insurance, contrary to its colloquial reference as "insurance", is not actually a type of insurance. It is, in essence, a "certificate of insurability", issued by your insurance company and submitted to the Jackson,Florida Department of Motor Vehicles. Some high-risk drivers might find this coverage mandatory. The SR22 certificate serves as evidence that a high-risk driver meets the minimum auto insurance coverage dictated by the State of Florida. Commonly, SR22 filings are referred to as an SR22 bond, SR22 certificate, or SR22 form, contingent on the specific state.

Who Needs Florida SR22 Insurance ?

If someone finds themselves convicted of a DUI, experiences a license suspension or revocation, or accumulates numerous traffic violations in a brief period, they might be directed to procure SR22 auto insurance. This mandate also extends to drivers who were at fault in an accident while lacking appropriate insurance coverage. The absence of an SR22 certificate implies a high likelihood of not regaining your driver's license or registration.

SR22 Insurance is important but not actually insurance itself. It's a form that your insurance company files with the state to prove you're meeting the minimum car insurance requirements. Here's a straightforward breakdown:

  • What is an SR22?
    An SR22 form is essentially confirmation from your insurance provider to the state that you have the legally required insurance coverage. Think of it as a verification that keeps you in good standing with state laws.
  • What Happens if You Cancel Your Insurance?
    If you decide to cancel your insurance, your insurer will promptly notify the state by submitting an SR-26 form. This form alerts the state that you no longer have the necessary insurance coverage.
  • The Consequences of Cancelling
    When the state is informed that your insurance has lapsed or been cancelled, you could face serious consequences. Your driver's license and vehicle registration might be revoked. This means you can’t legally drive until these are reinstated, which can be a lengthy and cumbersome process.
  • Resetting the SR22 Duration
    Moreover, if you were required to maintain SR22 and you cancel your policy, the clock resets on how long you must hold this filing. For example, if you needed to keep SR22 for three years, and you cancel your insurance after two years, you'll need to start the three-year period over from the beginning once you get new insurance and refile an SR22.

Keeping your insurance up-to-date is crucial when you have an SR22. It ensures that you stay legally compliant and avoids the hassle of starting over with your SR22 requirements. Always keep your insurance active and make sure you understand the terms and conditions tied to your SR22 filing..

The Essence of Non-Owner SR22 Insurance

Florida Non-owner SR22 insurance is crafted for drivers who don't possess a vehicle yet are mandated by their state to file an SR22. Such a policy ensures Florida that high-risk drivers carry the minimum insurance coverage required, even if they don't own a vehicle. An integral aspect of understanding non-owner SR22 insurance is its distinction across states.

For those seeking to reinstate their Florida driver’s license after a suspension, they may have to obtain an SR22. People who want to reinstate their drivers license but do not own a vehicle are eligible to purchase a non owner SR22 Policy. This is often called an operator or named-operator policy, it covers the driver, not the vehicle If you are required to have a SR22 and have had your license reinstated after certain traffic violations do not let the policy lapse until the time requirement is over or it may lead to license suspension and even more fines.

Coverage Aspects of Non Owner SR22 Insurance Florida Insurance

SR22 Insurance - non owner SR22 Insurance is only liability and property damage - in fact, it isn't insurance at all, it is a guarantee that you have the required minimums for your state. The insured individual isn't covered for collision with a SR22 policy. The SR22 ia intended to make sure the correct liability insurance is in place in case of an accident.Our agents can review the requirements with you to make sure you have exactly what you need.

How to Buy Florida Non-Owner SR22 Insurance?

Call us at FR44 & SR22 Experts for the fastest, cheapest, Non Owner SR22 policy available. While the Florida SR22 certificate filing might cost between $15 and $25, The actual non owned insurance policy cost depends on several factors - fill out the quote request, no obligation, or request an agent call you, and we can better answer your questions. We do not sell your information. We do not share your information. You will not be contacted by a ton of people - we will call, text, or email with your information.

FAQ's about Florida Non Owner SR22 Insurance


When is an SR22 required?

If your drivers license has been suspened, the court or the DMV will tell you in writing what you need to do in order to reinstate your drivers license. An SR22 is usually reqired after DUI/DWI convictions, driving uninsured or without a license, committing serious moving violations, or after multiple traffic tickets within a short period. If your drivers license was suspened due to court fines or child support, you may need an SR22 Insurance Policy to reinstate. If you are unsure, you can contact the Department of Motor Vehicles in your state or call our office and review any paperwork you have been given.

How much does it cost?

Non-Owner SR22 Florida is less pricey than owner SR22, mainly because the offense necessitating SR22 and the ownership of a vehicle is what hikes the price, not the SR22 itself.The total cost is very difficult to estimate because it depends on your driving record, your age, and where you live. If you would like an exact price, fill out our no obligation, free, on line quote request and we will get back to you with your options for coverage and a price for the policy you choose.

If you move out of Florida to a different state?

Individuals relocating from Florida to a different state must continue to fulfill the SR-22 mandates until the specified duration expires, irrespective of the new state's requirements.

Is SR-22 insurance required in the new state even if it does not mandate SR-22 insurance?

Yes, you must carry SR-22 insurance in your new state regardless of whether that state requires SR-22 insurance or not.

Do you need to keep SR-22 insurance even if you move out of Florida to a new state?

Yes, even if you move out of Florida, you will still need to carry the SR-22 insurance in your new state until the time requirment - usually 3 years - expires. Failure to keep the Non - owner SR22 Insurance Policy current may result in another license suspension, more fines, and a requirement to keep the SR22 policy for an extended time.

In conclusion

Florida Non-Owner SR22 insurance offers a viable solution for high-risk drivers without a vehicle, enabling them to fulfill their insurance obligations without bearing unnecessary costs.


Map of Campbellton, Florida



Campbellton, Florida

Campbellton is a small, rural town in Jackson County, Florida, located on the western bank of the Suwannee River. A hit by a tornado in 2008 caused much of the town to be destroyed, leading to its upcoming redevelopment and reconstruction.

Our company, FR44 & SR22 Experts, has over a decade of experience offering SR22 Insurance to Campbellton, Florida. We are well-regarded in the Insurance Industry as a reliable provider for SR22 and High-Risk Drivers insurance. Fill out the form below to get your quote. Our streamlined process ensures quick insurance completion in just minutes.
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