FR44 vs SR22
The difference between the two filings, and which one Florida requires of you.
3 answers
Want the full write-up? FR-44 vs SR-22 compared. Read the full guide to FR44 insurance Florida.
Will an SR22 satisfy a Florida DUI requirement?
No. An SR22 will not satisfy a Florida…
What is the difference between FR44 and SR22 in Florida?
Both are certificates your insurance company files with the state. Neither one is the policy itself. The difference is what the state makes you carry, and…
I got a DUI in Florida. Do I need SR22 or FR44?
If the DUI happened in Florida, you need an FR44. Not an…
What the video covers
- If your DUI happened in Florida, you need an FR44, not an SR22.
- An SR22 proves your state's minimum coverage; an FR44 proves 100/300/50 liability, roughly 10 times more.
- Filing the wrong form doesn't reinstate your license and can cost you weeks.
- Have the notice the state sent you in hand so an agent can confirm which form you need.
FR44 vs SR22 limits in Florida
| Filing | Who needs it | Minimum liability |
|---|---|---|
| FR-44 | DUI conviction | 100/300/50 |
| SR-22 | Non-DUI suspensions | 10/20/10 |
FR-44 means $100,000 per person and $300,000 per accident in bodily injury, plus $50,000 property damage; SR-22 means $10,000 / $20,000 / $10,000.
Source: Fla. Stat. §324.023 (FR-44: 100/300/50 after a DUI conviction); §324.021(7) (standard 10/20/10)
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