SR22 Florida Insurance Requirements

Cheap SR 22 Insurance

The Florida Financial Responsibility Law is primarily governed by Chapter 324 of the Florida Statutes. Here’s a brief outline based on the general provisions typically found under this chapter:

Chapter 324 - Financial Responsibility

Purpose of the chapter:

Outlines the intent of the law to ensure that drivers can financially cover damages or injuries that may occur while operating a motor vehicle.

324.021 - Definitions; minimum insurance requirements:

Provides definitions and sets minimum insurance coverage requirements.

324.022 - Financial responsibility for property damage:

Details the financial responsibility requirements specifically related to property damage.

324.023 - Financial responsibility for bodily injury or death:

Establishes requirements related to bodily injury or death resulting from vehicle operation.

324.031 - Manner of proving financial responsibility:

Explains acceptable methods to demonstrate financial responsibility, including SR22 filings. These sections address the different aspects of financial responsibility that drivers must meet, particularly after incidents that involve infractions necessitating SR22 certification. This chapter ensures that all motorists meet the necessary financial requirements to cover any liabilities arising from accidents or violations.

In Florida, the minimum coverage requirements for SR22 insurance are as follows:

  • ;$10,000 for bodily injury or death to one person in one accident.
  • $20,000 for bodily injury or death to two or more persons in one accident.
  • $10,000 for property damage in one accident.


These SR22 Florida requirements are necessary to meet the state's financial responsibility requirements for drivers who are considered high-risk due to infractions such as DUIs, serious traffic violations, or driving without insurance. Maintaining this insurance and the SR22 form is typically required for a period of three years, though the specific duration can vary based on the nature of the driving offense and subsequent court orders.