How to Get SR-22 Insurance in Florida After a DUI (2025 Guide)

Introduction

If you’ve been convicted of a DUI in Florida, you’re likely required to file an SR-22 certificate to reinstate your driver’s license. This process can feel overwhelming, but it doesn’t have to be. With the right information—and the right partner—you can get back on the road quickly and affordably.

In this guide, we'll walk you through:

• What SR-22 insurance is
• When and why it’s required in Florida
• How to file an SR-22 after a DUI
• How much it costs
• How White Chip Insurance can help you find the best rates even with a DUI

What is SR-22 Insurance in Florida?

Despite the name, SR-22 is not an insurance policy. It’s a certificate of financial responsibility your insurance company files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). It proves you carry the state-required minimum auto liability coverage.

In Florida, drivers are required to file an SR-22 after serious violations like:

• DUI convictions
• Driving without insurance
• Reckless driving
• License suspensions

Why Is SR-22 Required After a DUI in Florida?

Florida law requires drivers convicted of a DUI to demonstrate financial responsibility. This ensures that if you’re involved in an accident, you can pay for damages or injuries.

After a DUI, you must maintain continuous SR-22 coverage for 3 years to keep your license valid. If the policy lapses, your insurer must notify the state—leading to immediate license suspension.

How to Get SR-22 Insurance in Florida After a DUI

Step 1: Contact a Licensed Insurance Agent

Not all insurance companies file SR-22 forms. Work with an agency, like White Chip Insurance, that specializes in high-risk drivers and offers fast, affordable SR-22 filing.

Step 2: Purchase a Car Insurance Policy

You must buy a policy that meets or exceeds Florida’s minimum liability limits:

• $10,000 bodily injury per person
• $20,000 bodily injury per accident
• $10,000 property damage liability

If you’ve had a DUI, you may also be required to file an FR-44, which has higher limits.

Step 3: Ask the Insurer to File the SR-22

White Chip Insurance will file the SR-22 electronically with the FLHSMV. Once submitted, your license can be reinstated and you will be back on the road in no time.

Step 4: Pay the Filing Fee

SR-22 filing fees in Florida typically range from $15 to $50, depending on the insurer.

How Much Does SR-22 Insurance Cost After a DUI in Florida?

While the SR-22 filing itself is inexpensive, your car insurance premium will increase significantly after a DUI. On average:

• Drivers pay $2,500–$4,000 per year after a DUI
• Rates may vary based on age, location, vehicle, and driving record

Factors That Influence SR-22 Insurance Costs:

• Number of prior offenses
• How long ago the DUI occurred
• Type of vehicle
• ZIP code (Miami, Tampa, Orlando, etc.)

Can I Get SR-22 Insurance Without a Car in Florida?

Yes! If you don’t own a vehicle, you can get a non-owner SR-22 insurance policy. It covers you when driving borrowed or rental vehicles and helps reinstate your license after a DUI.

White Chip Insurance offers non-owner SR-22 policies for drivers across Florida—including those in Tampa, Orlando, Miami, Fort Lauderdale, and beyond.

What Happens If You Don’t File an SR-22 After a DUI?

Failing to file an SR-22 when required can lead to:

• Immediate license suspension
• Increased fines and reinstatement fees
• Additional court penalties or jail time

Don’t risk it. Let White Chip Insurance help you file your SR-22 fast, so you can stay legal and avoid further complications.

How White Chip Insurance Makes SR-22 Filing Easy

At White Chip Insurance, we specialize in helping high-risk drivers get the coverage they need—fast. Whether you’ve had a DUI, need SR-22 or FR-44 insurance, or just want to compare rates, we’re here to help.

• 13 licensed agents based in Tampa
• Over a decade serving Florida drivers
• Same-day SR-22 filing
• Affordable policies for all driver profiles
• Quotes from top providers like The General, Dairyland, and Progressive

Call now or use our free online quote tool to get started in minutes.

Final Thoughts

If you’re dealing with a DUI and need affordable SR-22 insurance in Florida, you don’t have to navigate it alone. White Chip Insurance is here to simplify the process, help you stay compliant, and get you back on the road today, without overpaying.

Next Steps:

• Use our free online tool to compare SR-22 insurance quotes
• Call to speak with a licensed Florida agent today
• Start your SR-22 filing now and reinstate your license fast