Why You Might Need an SR-22 Insurance Policy in Florida—and How to Get It Affordably

If you’ve been informed by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) that you need an SR-22, you might be wondering what it means—and how to get one without breaking the bank. At North Broward Insurance Solutions, we’re here to help you navigate this requirement with clarity and cost-effective options.

What Is an SR-22?

An SR22 is not actually a type of insurance policy—it’s a certificate of financial responsibility that your insurance company files with the state to prove you carry the required minimum liability coverage. Florida drivers typically need an SR-22 to reinstate or maintain their driving privileges after a serious infraction or lapse in coverage.

Why Would You Need an SR-22 in Florida?

You may be required to carry an SR-22 if:

• You were caught driving without insurance or with a lapsed policy

• You were involved in an at-fault accident without insurance

• You have multiple traffic offenses or license suspensions

• You’re trying to reinstate a suspended or revoked license

There are two main types of SR-22 policies:

• Owner SR-22: For drivers who own a vehicle.

• Non-Owner SR-22: For those who don’t own a car but still need to reinstate their license (often for work or personal needs).

Affordable SR-22 Insurance Options

Many traditional carriers may charge high rates for SR-22 policies—or avoid them altogether. Fortunately, North Broward Insurance Solutions works with carriers that specialize in high-risk drivers, including:

• Dairyland

• GAINSCO

• United Automobile Insurance Company

These companies often provide some of the most affordable SR-22 options for drivers across Florida.

Ready to Get Back on the Road?

If you live in Broward County, including Fort Lauderdale, Lauderdale Lakes, Tamarac, Wilton Manors, or Hollywood, and need an Owner or Non-Owner SR-22 policy, let Laurel Schwartz help you find the right coverage at the right price.

📧 Email Laurel today at [email protected]
📞 Or call 954-368-0060, x 9 for your fast and friendly quote.

North Broward Insurance Solutions—Helping Florida drivers get back behind the wheel with confidence.