Non-Owner SR22 In Florida

Florida Non-Owner SR22 Explained

If you qualify for the following violations in the State of Florida, you’ll probably be required to carry an SR22. There are two options; a Non-Owner SR22 and an Owner SR22.

  1. You’ve received 12 points on your license in the past 12 months.
  2. You’ve received 18 points on your license in the past 18 months.
  3. You’ve received 24 points on your license in the past 36 months.
  4. You have a Child Support obligation that hasn’t been kept current.
  5. You are deemed unable to operate a motor vehicle safely.
  6. You were caught and convicted of operating a motor vehicle without insurance.
  7. You were operating a motor vehicle on a suspended license.

While there are other reasons  you may need to carry an SR22, these are the most common.

What is a Non-Owner SR22?

If your driver’s license is suspended for the aforementioned issues, you will probably need an SR22 in the State of Florida. Of the two different types, Owner and Non-Owner, the one you will want is solely based upon whether or not you own a vehicle; more precisely a vehicle that you need insurance on. An SR22 in Florida is generally required for a period of 3 years from the date of your conviction and throughout this time period you can switch back and forth between an Owner and Non-Owner policy. Since a Non-Owner SR22 doesn’t cover a vehicle, it’s always far cheaper than an Owner policy. The purpose of a Non-Owner SR22 is to allow the insured to have their driver’s license reinstated without the need to own a vehicle. Without this provision you would be required to purchase a vehicle just to have a valid license. Non-Owner insurance is not only available in Florida, but in most States that have SR22 mandates.

How to Get Your Florida Driver’s License Reinstated Quickly: 


How Can You Find Out if You Need an SR22?

The easiest way to find out if you have an SR22 requirement is to contact the State. In fact there’s a website you can access that will show you if your driver’s license is currently suspended and, if it is, your insurance agent can tell you the time period. You can access the Florida Driver License Check system here. All you need is your driver’s license number. If you’d like to call the Florida Department of Highway Safety and Motor Vehicles, you can do so at 1-850-617-2000.

Cheapest Florida Non-Owner SR22 Insurance

How Can You Find the Cheapest Non-Owner SR22 Price?

As with anything else, you’ll find the cheapest price by shopping the market. Since Non-Owner SR22 insurance is a very specialized field, you’ll want to contact an insurance agency that specializes in this type if insurance. The agency can shop multiple companies and identify your cheapest option. Variables such as Age, Gender, Where you Live, Your Driving Record, etc will all factor into the pricing. Therefore, while you’ll always get the required 10/20/10 liability limits on your policy, the pricing for the exact same thing can vary widely between insurance carriers. Always take the Non-Owner SR22 option if you qualify.

What if You Need a Florida Non-Owner FR44?

If you’ve been convicted of a DUI in the State of Florida, you’ll need an FR44 policy. It is a common mistake for Floridians to request an SR22 when they actually need an FR44. While an FR44 carries far higher Liability Limit requirements (100/300/50), it is also available in Non-Owner form. You can visit or to check pricing on Florida FR44 insurance.