Yes, you can get SR-22 insurance even if your driver’s license is currently suspended in Florida—and in many cases, you must. If the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) requires you to file an SR-22, it’s usually tied directly to reinstating your suspended license.
In this guide, we’ll explain:
SR-22 insurance is a form your insurance company files with the state to prove you carry the minimum required auto liability insurance. It’s often required after serious driving violations and is used to reinstate a suspended license.
Florida Minimum Liability Coverage for SR-22:
The Florida DMV may require SR-22 filing for:
In most cases, you must file an SR-22 to have your license reinstated—and maintain it for three consecutive years.
Step 1: Contact a Licensed Insurance Provider
Not all insurers offer SR-22 filings. Choose an experienced agency like White Chip Insurance, which works with high-risk drivers across Florida.
Step 2: Purchase a Qualifying Policy
Even with a suspended license, you can buy a policy that meets the minimum coverage limits. If you don’t own a car, ask about a non-owner SR-22 policy.
Step 3: File the SR-22 Form
Your insurer will file the SR-22 with the FLHSMV electronically. Once accepted, you'll be able to pay any reinstatement fees and restore your license.
Yes. If you don't own a car but need to file SR-22 to reinstate your license, a non-owner SR-22 insurance policy is the best option. It covers liability when driving borrowed or rental vehicles and keeps you legally compliant.
White Chip Insurance offers non-owner SR-22 policies for drivers in Tampa, Orlando, Miami, and across Florida.
Once your SR-22 is filed and accepted:
If your policy lapses, your insurer will notify the DMV and your license may be suspended again.
At White Chip Insurance, we make it easy to file SR-22 with a suspended license and get your driving privileges back.
Yes—you absolutely can get SR-22 insurance with a suspended license in Florida. In fact, it’s often the first step toward reinstating your license and regaining your driving freedom. The key is acting quickly, maintaining continuous coverage, and working with an agency that knows how to navigate the process.
Let White Chip Insurance Help You:
No. You must wait until your SR-22 is filed and accepted and all reinstatement requirements are met.
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