{"id":195,"date":"2026-10-10T18:09:18","date_gmt":"2026-10-10T22:09:18","guid":{"rendered":"https:\/\/www.myuniversalinsurance.com\/fr-44-and-sr-22-insurance\/"},"modified":"2026-10-29T15:07:01","modified_gmt":"2026-10-29T19:07:01","slug":"fr44-sr22-insurance","status":"publish","type":"page","link":"https:\/\/www.myuniversalinsurance.com\/es\/fr44-sr22-insurance\/","title":{"rendered":"Seguro FR-44 y SR-22"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"195\" class=\"elementor elementor-195\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-313d77a e-flex e-con-boxed uia-pagehero e-con e-parent\" data-id=\"313d77a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30172ff elementor-widget elementor-widget-text-editor\" data-id=\"30172ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-crumbs\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c881ea3 uia-eyebrow elementor-widget elementor-widget-heading\" data-id=\"c881ea3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">FR-44 &amp; SR-22<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56507e5 elementor-widget elementor-widget-heading\" data-id=\"56507e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">FR-44 and SR-22 insurance in Florida<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b39380 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3b39380\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Need a filing to get your license back? We&#8217;ll find a carrier, file the certificate with the state and explain exactly what you need to keep it in place. No judgment, in English or Spanish.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb53b7d elementor-widget elementor-widget-text-editor\" data-id=\"bb53b7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-gold\" href=\"\/get-a-quote\/?coverage=fr44-sr22\">Get an FR-44 or SR-22 quote<\/a><a class=\"uia-a-btn uia-ghost\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5303083 e-flex e-con-boxed e-con e-parent\" data-id=\"5303083\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-12fbadc e-flex e-con-full uia-answer e-con e-child\" data-id=\"12fbadc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8107ee4 elementor-widget elementor-widget-heading\" data-id=\"8107ee4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">The short answer<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d94ec0 elementor-widget elementor-widget-text-editor\" data-id=\"7d94ec0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>FR-44 and SR-22 aren&#8217;t types of insurance. They&#8217;re certificates your insurance company files with the state to prove you carry required liability coverage. Florida requires an FR-44 after a DUI conviction, with liability limits of $100,000 per person and $300,000 per accident for injuries and $50,000 for property damage. An SR-22 is required after certain other violations and carries lower limits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b18cd8 uia-prose elementor-widget elementor-widget-text-editor\" data-id=\"5b18cd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>FR-44 vs. SR-22<\/h2><table><tr><th><\/th><th>FR-44<\/th><th>SR-22<\/th><\/tr><tr><td>Usually required after<\/td><td>A DUI conviction<\/td><td>Driving without insurance, serious violations, too many points or certain suspensions<\/td><\/tr><tr><td>Bodily injury liability<\/td><td>$100,000 per person \/ $300,000 per accident<\/td><td>$10,000 per person \/ $20,000 per accident<\/td><\/tr><tr><td>Property damage liability<\/td><td>$50,000<\/td><td>$10,000<\/td><\/tr><tr><td>Typical length<\/td><td>3 years<\/td><td>3 years<\/td><\/tr><\/table><h2>How the process works<\/h2><ol><li>Tell us what the state or court requires. Your notice from the Florida DHSMV usually spells it out.<\/li><li>We quote carriers that file FR-44 or SR-22 certificates.<\/li><li>Once you choose a policy, the carrier files the certificate electronically with the state.<\/li><li>Keep the policy active for the full required period. If it lapses, the carrier must notify the state, which can suspend your license again.<\/li><\/ol><h2>Don&#8217;t own a car?<\/h2><p>You can still meet the requirement with a <a href=\"\/non-owner-car-insurance\/\">non-owner policy<\/a> that carries the filing. It&#8217;s often the most affordable route to getting your license back.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8d5ff4 elementor-widget elementor-widget-accordion\" data-id=\"f8d5ff4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2601\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2601\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How long do I need an FR-44 in Florida?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2601\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2601\"><p>Usually three years from the date your license is reinstated. Your DHSMV paperwork lists the exact requirement for your case.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2602\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2602\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What happens if my FR-44 or SR-22 policy lapses?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2602\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2602\"><p>Your carrier is required to notify the state, and your license can be suspended again. Keep payments current, and call us before making any changes to the policy.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-2603\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2603\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Can I get an FR-44 if I don't own a car?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-2603\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2603\"><p>Yes. A non-owner policy can carry the FR-44 or SR-22 filing so you can reinstate your license.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How long do I need an FR-44 in Florida?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Usually three years from the date your license is reinstated. Your DHSMV paperwork lists the exact requirement for your case.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What happens if my FR-44 or SR-22 policy lapses?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Your carrier is required to notify the state, and your license can be suspended again. Keep payments current, and call us before making any changes to the policy.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Can I get an FR-44 if I don't own a car?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Yes. A non-owner policy can carry the FR-44 or SR-22 filing so you can reinstate your license.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb71f8 elementor-widget elementor-widget-text-editor\" data-id=\"5bb71f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uia-btns\"><a class=\"uia-a-btn uia-blue\" href=\"\/get-a-quote\/?coverage=fr44-sr22\">Get a quote<\/a><a class=\"uia-a-btn uia-outline\" href=\"\/auto-quote-application\/\">Fill out the full application<\/a><a class=\"uia-a-btn uia-outline\" href=\"tel:+14078981116\">Call (407) 898-1116<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f24dd2b e-con-full e-flex e-con e-parent\" data-id=\"f24dd2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fae3a9 elementor-widget elementor-widget-html\" data-id=\"0fae3a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Service\",\"name\":\"FR-44 and SR-22 Insurance\",\"serviceType\":\"FR-44 and SR-22 auto insurance filings\",\"description\":\"Florida FR-44 and SR-22 insurance with state certificate filing, including non-owner policies.\",\"url\":\"https:\/\/www.myuniversalinsurance.com\/fr44-sr22-insurance\/\",\"provider\":{\"@id\":\"https:\/\/www.myuniversalinsurance.com\/#organization\"},\"areaServed\":{\"@type\":\"State\",\"name\":\"Florida\"}}<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FR-44 &amp; SR-22 FR-44 and SR-22 insurance in Florida Need a filing to get your license back? We&#8217;ll find a carrier, file the certificate with the state and explain exactly what you need to keep it in place. No judgment, in English or Spanish. Get an FR-44 or SR-22 quoteCall (407) 898-1116 The short answer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-195","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=195"}],"version-history":[{"count":5,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/195\/revisions"}],"predecessor-version":[{"id":410,"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/pages\/195\/revisions\/410"}],"wp:attachment":[{"href":"https:\/\/www.myuniversalinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}