How Long Do You Need to Carry SR-22 Insurance in Florida?

If you’ve been ordered to file an SR-22 in Florida, you’re probably wondering how long you’ll have to maintain it. The good news is that this requirement does have an end date, and understanding what’s expected of you can make the process much smoother and make sure you remain in compliance.

What Is an SR-22?

Although often referred to as “SR-22 insurance,” this term refers to a type of document, not an actual insurance policy. Your insurance company typically files it with the state on your behalf, confirming that you carry at least the state-required minimums for auto liability coverage. You may be ordered to carry an SR-22 after certain or repetitive driving violations, such as driving without insurance.

How Long Does Florida Require an SR-22?

In most cases, Florida requires drivers to maintain an SR-22 for three years. The clock generally starts from the date of your violation or license reinstatement, depending on the circumstances. Your specific requirement period may vary based on the nature of your violation, so confirming the exact timeframe with the Florida Department of Highway Safety and Motor Vehicles is always a good idea.

What Happens if You Let It Lapse?

Letting your SR-22 lapse before the requirement period ends carries real consequences, often including the following:

• Your insurance company will notify the state immediately if your policy is canceled.
• The state may suspend your license again.
• Your required period may reset, meaning you start over from the beginning.
• You may have to pay additional fees to have your license reinstated.

Get Back on Track With the Right Coverage

Maintaining an SR-22 does not have to be stressful. Working with a qualified insurance professional, such as those at Xpress 2GO Insurance Agency, means you’ll have someone in your corner to help manage the filing process and find you ideal auto coverage. Contact Xpress 2GO Insurance Agency today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.