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Florida SR-22 & Car Insurance Requirements
Minimum liability insurance
SR-22 in Florida
What triggers an SR-22
Penalties
Full details
License revoked on DUI conviction; IID mandatory: ≥6 months (1st, if BAC ≥0.15 or minor in vehicle; court discretion if BAC ≥0.08), ≥1 year (2nd), ≥2 years (3rd) (§316.193). Revocation lengths are set by §322.28 — typically 180 days–1 year for a 1st offense, 5 years for a 2nd within 5 years, and 10 years for a 3rd within 10 years.
Full details
1st: $500-$1,000 (BAC ≥0.15 or minor passenger: $1,000-$2,000). 2nd: $1,000-$2,000 (enhanced $2,000-$4,000); ≥10 days jail if within 5 yrs. 3rd within 10 yrs: 3rd-degree felony; beyond 10 yrs: $2,000-$5,000. 4th+: ≥$2,000, 3rd-degree felony. DUI w/ property damage = 1st-deg misdemeanor; serious bodily injury = 3rd-deg felony; death = DUI manslaughter (2nd-deg felony, 4-yr mandatory min). (§316.193)
Full details
Florida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS, general = 2nd-degree misdemeanor (1st; up to 60 days/$500), 1st-degree misdemeanor (2nd+; up to 1 yr/$1,000), with a min 10 days jail on a 3rd+; 3rd-degree felony on a 3rd+ if the suspension is DUI-related (DUI, refusal, death/serious-injury offense, fleeing) (322.34(2)(c)). Habitual traffic offender driving (322.264) = 3rd-degree felony (322.34(5)). CMV while suspended/disqualified = 1st-degree misdemeanor (1st), 3rd-degree felony (2nd+) (322.34(7)). financial-responsibility / administrative track (322.34(10)) — suspended solely for failing to maintain FR under Ch. 324, child support, or unpaid obligations: lighter — 2nd-degree misdemeanor (1st), 1st-degree misdemeanor (2nd+), with a nolo-election option (322.34(11)). Arrest while suspended for an FR reason triggers vehicle impound/immobilization (322.34(8)). Penalty ranges from FL Stat. 775.082-083: 2nd-deg misd up to 60 days/$500; 1st-deg misd up to 1 yr/$1,000; 3rd-deg felony up to 5 yrs/$5,000.
Full details
Florida separate drug-conviction license suspension (FL Stat. 322.055), distinct from drug-DUI (which rides under 316.193). Conviction for possession, sale, trafficking, or conspiracy involving a controlled substance (person 18+) -> 6-month license suspension, or until the person is evaluated for and (if deemed necessary) completes a DCF-approved drug treatment/rehab program; +6 months added if already suspended/revoked (322.055(3)). A business/employment-only hardship license (322.271) is possible on a compelling-circumstance finding. Triggers on a drug conviction even if no vehicle was involved.
Suspension & reinstatement
Full details
File SR-22 (BIL+PDL) — or FR-44 for a DUI; pay the reinstatement fee ($150/$250/$500, or $15 for certain FR suspensions); maintain proof (2 yrs non-DUI / 3 yrs FR-44). No temporary or hardship license for insurance-related suspensions. Insurers report cancellation within 10 days.
Commercial drivers (CDL)
Full details
Florida CDL disqualification (FL Stat. 322.61, federal FMCSA structure). 1-year (first major offense): DUI including in a NON-commercial vehicle (322.61(3)(b)1), CMV at 0.04+ BAC, leaving the scene, felony with a vehicle, refusal, CMV-while-disqualified, negligent-operation fatality. 3-year if transporting hazardous materials (4). permanent for a 2nd major offense (5), a controlled-substance manufacture/distribution felony with a vehicle (6), or a human-trafficking felony with a CMV (7). Serious-violation ladder: 60 days (2nd in 3 yrs) / 120 days (3rd) — reckless, 15+ over, texting, handheld, etc. Plus out-of-service-order and railroad-crossing ladders. CMV alcohol threshold 0.04. Important for CDL holders: a DUI in a personal vehicle still triggers a 1-year CDL disqualification.
Other notes
Full details
Florida is one of only two FR-44 states (with Virginia). Standard registration requires only PIP of $10,000 plus property-damage liability of $10,000 — there is no bodily-injury requirement for standard registration; bodily injury (10/20/10) applies in the SR-22 / financial-responsibility context. An FR-44 (after a DUI) requires 100/300/50 — five times the standard BI limits. Florida offers no temporary or hardship license for insurance-related suspensions.
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Regulatory change history
- Most recent2007-10-01 — FR-44 (100/300/50 after a DUI) established (§324.023, ch. 2007-150).
- ScheduledNone known.