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An SR22 Insurance policy is required to legally operate a vehicle by any driver in the state of Florida who has been deemed to be high risk. A special form will be submitted by DeFrain Insurance to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) or shall be submitted by your insurance carrier.


SR22 Form provides the state with proof that you are maintaining financial responsibility by carrying an Auto Insurance Policy that meets the minimum liability requirements. A driver is generally classified as high risk if he or she is convicted of certain driving-related offenses. If the driver fails to maintain this specialty Insurance, that driver might have their Driving Privilege Immediately Suspended.


Not all traffic violations may result in the need for SR22 Insurance, however, an offense that could result in the suspension of driving privileges will likely require such a filing for 3 years. Some of the offenses might include:


  • Causing an accident while uninsured


  • Failing to satisfy a court judgement that resulted from an accident


  • Failure to provide proof of Insurance when stopped for a traffic violation


Currently the State of Florida requires SR22 insured drivers to carry at a minimum:


  • $10,000 / $20,000 Bodily Injury


  • $10,000 Property Damage Per Accident


If you are convicted of driving under the influence, you will be required to obtain the more stringent & expensive SR44 Financial Responsibility Policy.

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FR44 Insurance - DUI

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FR44 Insurance is a Financial Responsibility Insurance certificate which is a requirement in Florida if a person gets convicted for driving under the influence of alcohol (DUI). After sentencing, the driver, or their Insurance, must file an FR44 which provides the minimum amount of Insurance coverage.


When caught and convicted of drunk driving your auto Insurance premiums within the State of Florida will increase automatically. The increase could reach up to 200 – 300% from the amount you paid before your arrest. Additionally, the Insurance company has the choice to cancel or not renew your auto insurance coverage. This will automatically increase premium charges in case you work with other Insurance companies.

The FR44 Insurance Policy is a requirement in the State of Florida if a driver is convicted of the following crimes:

  • Caught driving under the influence of drugs or intoxicants


  • Caught driving while the driver’s license has been suspended due to a conviction


  • Caught maiming under the influence of drugs or intoxicants


Currently the State of Florida requires FR44 insured drivers to carry at a minimum:

  • $100,000 / $300,000 Bodily Injury


  • $50,000 Property Damage Per Accident


For those Who possess a Good Credit Score & Stable Financial History we may offer Monthly Payments         (Premium Finance) or for those who don't qualify for Monthly payments, we may be able to refer you to one of our sister companies to finance your new Premium.


Premium Finance For Specialty Insurance

Some of What We Insure:

SR22 Insurance - High Risk

DeFrain Insurance offers Premium Financing for Insurance Premiums to qualified applicants. Financing of insured premium allows customers to make reasonable monthly payments after a premium down payment  is applied toward their new Specialty Insurance Premium.  Many customers find this option to acquire SR22/FR44 a benefit as it is quite difficult to save for, in-whole, a six month  or twelve month policy.

A lot of convicted drunk drivers find their insurance premium increased so high that it is simply impossible to pay in full. Florida law states that any lapse in automobile Insurance will cause automatic suspension of the driver’s license. DeFrain Insurance realizing SR22 & FR44 Specialty Insurance was almost unaffordable to their clients introduced a new product; Premium Financing, enabling clients to continue driving.

In Florida, when arrested and convicted of driving under the influence of alcohol your license will be suspended through court orders. In order to get your license back, you will be required to get the FR44 and maintain it for years. You can get this form from your automobile Insurance Company or Agent. Once you get this form from your Insurance Company your status will automatically be changed to high risk which causes your premium and policy to dramatically increase in price.

SR22 & FR44 Insurance Policy's according to the Laws of the State of Florida regarding financial responsibility are six to twelve month policies which are non cancellable.  As expensive as this specialty insurance is, no insurance company or agency would benefit from an insured not making payments, as that company or agency must pay for the policy upfront in full. For this reason it is extremely difficult to find Premium Finance for Specialty Insurance Policies.