In Florida, a DUI (driving under the influence) conviction will almost certainly lead to the requirement for SR22 insurance. A DUI is considered a serious driving offense, and as a result, drivers convicted of this violation must file an SR22 form to demonstrate that they have the required minimum liability insurance. This coverage is necessary for drivers who have had their licenses suspended due to DUI offenses, as it proves they are financially responsible in case of an accident.
After a DUI conviction, you will need to obtain SR22 insurance and maintain it for a mandatory period, typically three years. During this time, your premiums are likely to be much higher than regular insurance rates because insurers consider DUI offenders high-risk drivers. However, it is important to shop around for the best rates, as the cost of SR22 insurance can vary significantly from one provider to another.
For those in need of sr22 florida services after a DUI, working with an experienced insurance agent can help ensure that you meet the state’s requirements. In addition to the higher premiums, a DUI conviction may also affect your ability to obtain standard car insurance for a period of time, so it is crucial to maintain continuous SR22 coverage to reinstate your driving privileges.
Once you’ve completed the required period of SR22 insurance, you can remove the SR22 form from your policy and potentially lower your premiums. However, it's important to note that a DUI will remain on your driving record for several years, which can continue to impact your insurance rates even after your SR22 requirement ends.