What Are the Minimum Coverage Requirements for SR22 Insurance in Florida?

In Florida, SR22 insurance is a special certificate of financial responsibility that ensures drivers meet the state's minimum coverage requirements. For drivers who are required to file an SR22, the minimum coverage includes liability insurance that covers bodily injury and property damage. Specifically, Florida law mandates that drivers have a minimum of $10,000 in bodily injury liability per person, with a total of $20,000 for two or more people involved in an accident. Additionally, $10,000 in property damage liability is required.

While these are the state minimums, it is important to note that drivers with a history of violations may find that their insurance premiums are higher due to the added risk. The SR22 form itself does not change the amount of insurance you need; it is simply a way to prove to the Florida Department of Highway Safety and Motor Vehicles (DHSMV) that you have the proper coverage. Drivers seeking the sr22 florida form should ensure their policy meets these requirements, and many insurance providers will help guide you through the process to make sure you're compliant.

Additionally, it is often recommended to consider additional coverage beyond the minimum requirements. For example, adding uninsured/underinsured motorist coverage or comprehensive coverage could offer greater protection. Insurance providers who offer sr22 florida services may provide various options, so it is worth discussing your needs with an agent to select the best policy for your situation.