Does National General Insurance Offer SR22 Insurance in Florida?

Drivers who have been labeled “high risk” by the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) are often ordered to file an SR-22 certificate before their licenses can be restored. Contrary to popular belief, the SR-22 is not insurance in the traditional sense. Rather, it is a form that an insurer files with the state to confirm that a motorist carries at least the minimum amount of liability coverage required under Florida Statute § 324.022. At present, that minimum sits at $10,000 in personal injury protection and $10,000 in property damage liability, though most high-risk drivers purchase higher limits to guard against future litigation.

Situations that trigger the filing include DUI convictions, reckless driving charges, an accumulation of moving violations, or driving without insurance. Once mandated, the certificate usually must remain on file for three years; a single lapse of even one day obligates the insurer to alert the state and could restart the clock entirely. Because every lapse is reported instantly through Florida’s Electronic Driver License and Vehicle Information System, insurers that handle SR-22 filings have developed robust internal processes to ensure continuous coverage.

The scope of the requirement is significant. According to FLHSMV data published in 2023, roughly 91,000 Floridians were operating under financial-responsibility suspensions, and nearly 38,000 of those suspensions related to alcohol- or drug-related offenses. With so many motorists depending on insurers that understand the nuances of the SR-22 process, knowing whether a specific carrier—such as National General—offers the filing service becomes crucial.

Moreover, the implications of having an SR-22 can extend beyond just the immediate requirement to maintain insurance. High-risk drivers may face increased premiums, as insurers often adjust rates based on the perceived risk associated with a driver's history. This can lead to a cycle where drivers, already facing financial strain due to their high-risk status, find themselves unable to afford the necessary coverage. Additionally, the presence of an SR-22 on one’s driving record can have long-term effects on a driver's ability to secure affordable insurance in the future, as many companies view the SR-22 as a red flag.

Furthermore, the process of obtaining an SR-22 can be daunting for many. Drivers must not only find an insurance provider willing to file the SR-22 but also navigate the complexities of their own driving history and the specific requirements set forth by the state. Some insurers may offer specialized programs or guidance to help drivers understand their obligations and the steps they need to take to comply with SR-22 requirements. This support can be invaluable, particularly for those who may not be familiar with the insurance landscape or who are dealing with the stress of a recent legal issue.

Founded in 1920 as the insurance arm of General Motors, National General Insurance has spent more than a century focusing on auto protection, expanding over time into homeowners, renters, recreational vehicle, and small commercial policies. The company, now a subsidiary of The Allstate Corporation, maintains an A- rating for financial strength from AM Best and reports servicing more than six million policyholders nationwide. That rating signals to regulators and consumers that the company possesses adequate reserves to pay claims on time, an important consideration for drivers who cannot afford coverage disruptions.

National General’s market share in Florida is sizable enough to land it among the state’s top 20 private-passenger auto carriers by written premium. The company operates through independent agents, direct-to-consumer online channels, and a 24/7 phone center, allowing prospective customers to secure quotes in whatever manner feels most convenient. In addition to standard coverage options, National General underwrites specialized endorsements for rental reimbursement, roadside assistance, and custom equipment—perks that can be bundled with an SR-22 filing for high-risk motorists who value extra protection.

Beyond its core offerings, National General Insurance places a strong emphasis on customer service and claims handling, which is crucial in the insurance industry. The company has invested in technology to streamline the claims process, enabling policyholders to file claims online or via a mobile app. This innovation not only enhances the customer experience but also helps reduce the time it takes to resolve claims, which can be a significant concern for drivers involved in accidents. Additionally, National General provides educational resources and tools on its website, helping customers understand their policies and make informed decisions about their coverage needs.

Moreover, National General is committed to community engagement and support, often participating in local events and initiatives that promote safe driving and responsible vehicle ownership. The company frequently collaborates with organizations focused on road safety, offering workshops and resources that educate drivers about the importance of maintaining proper insurance coverage and understanding the nuances of their policies. This dedication to community involvement not only strengthens its brand reputation but also fosters a sense of trust and reliability among its policyholders, reinforcing the idea that National General is not just an insurance provider but a partner in their customers' journeys.

The short answer is yes: National General does accept Florida drivers who need an SR-22 and will electronically file the form on a client’s behalf once a policy is bound. Because the company already maintains an active interface with the FLHSMV for all financial-responsibility filings, the notification reaches the state typically within 48 hours. That quick transmission helps drivers shorten the suspension period and get back on the road sooner. The insurer also provides a copy of the filing confirmation, which many county clerks request before reinstating vehicle tags.

Acceptance, however, is not automatic. National General underwrites each application individually, factoring in age, driving record, financial responsibility score, and even the length of time since the qualifying offense. Applicants with multiple DUIs inside a five-year window, a history of at-fault accidents that caused bodily injury, or outstanding traffic-court fines may be referred to the company’s non-standard division, where premiums run higher. In exceedingly severe cases—such as a vehicular manslaughter conviction—the application could be declined outright. Therefore, obtaining a quote does not guarantee that a policy will be issued, but it does confirm that the company offers the necessary filing service when the risk profile falls within its guidelines.

In addition to the underwriting criteria, National General also emphasizes the importance of maintaining a clean driving record after the SR-22 filing. Drivers are encouraged to take proactive steps, such as enrolling in defensive driving courses or participating in programs aimed at improving driving habits. These initiatives not only enhance road safety but may also positively influence future insurance rates. Furthermore, maintaining continuous coverage is crucial, as any lapse in insurance can lead to additional penalties and the potential need to refile the SR-22, extending the period of heightened scrutiny from the state.

Moreover, it’s essential for applicants to understand the implications of an SR-22 filing on their insurance premiums. While National General provides a streamlined process for filing, the presence of an SR-22 often signifies higher risk to insurers, which can lead to increased rates. Drivers should be prepared to explore various coverage options and possibly shop around for competitive quotes. Additionally, some drivers may find it beneficial to consult with an insurance agent who specializes in high-risk policies to navigate the complexities of their specific situation and ensure they are making informed decisions about their coverage needs.

The process starts with gathering key information: driver’s license numbers for all household members, VINs for every vehicle, details of the qualifying violation, and proof of prior insurance if available. With that information in hand, an applicant can request a quote online, through an independent agency, or by calling National General’s high-risk hotline. Once a quote is generated, the system automatically includes the $25 SR-22 filing fee mandated by Florida Administrative Code 15A-1. A down payment—often equivalent to 20% of the six-month premium—binds the policy, after which the insurer forwards the SR-22 form electronically.

Timeline is critical for suspended motorists: after the state receives the filing, license reinstatement generally follows within 24 to 72 hours, provided all other reinstatement fees have been paid to FLHSMV. National General supplies policyholders with an e-mailed copy of the SR-22 certificate number, ensuring an extra layer of documentation should there be a clerical delay at the county level. To prevent accidental lapses, the insurer offers automatic payment programs, recurring text or email alerts, and a dedicated customer-service unit that monitors policy status for drivers under SR-22 obligations.

It’s important to note that the SR-22 is not an insurance policy itself but rather a certificate that proves a driver has the minimum required liability coverage. This distinction is crucial for applicants to understand, as it emphasizes the need for maintaining an active insurance policy throughout the mandated period. If a driver fails to keep their policy in force, National General is obligated to notify the state, which could lead to further penalties or extended periods of non-compliance. Therefore, staying informed about policy renewals and any changes in coverage is essential for those navigating the SR-22 process.

Additionally, drivers should consider the implications of their SR-22 status on future insurance rates. While National General aims to provide competitive rates for high-risk drivers, the presence of an SR-22 can often lead to increased premiums due to the perceived risk associated with prior violations. To mitigate this, it may be beneficial for drivers to maintain a clean driving record moving forward, as this can help in qualifying for better rates over time. Engaging with National General’s customer service representatives can also provide insights into potential discounts or programs available to help manage costs while fulfilling SR-22 requirements.

Price remains the single greatest concern for most high-risk drivers. A 2024 report by the Insurance Information Institute states that a Florida driver with a clean record pays an average of $2,560 annually for full-coverage auto insurance. After a DUI, the same motorist’s rate jumps by roughly 56%, pushing the average to $3,990. National General’s internal rate filings echo that range: quotes for SR-22 drivers in Orlando, Tampa, and Jacksonville often fall between $330 and $410 per month for standard sedans, assuming state-minimum liability limits.

Beyond the base premium, two add-ons inflate costs. First is the one-time SR-22 filing fee, which National General lists as $25. Second is a potential policy-issuance surcharge for high-risk drivers, ranging from 5% to 15% of the premium. Moreover, a driver who allows the policy to lapse must pay both fees again when reinstating coverage, leading to substantial long-term expense. Because Florida’s no-fault system requires personal injury protection on all auto policies, dropping to bare-bones liability rarely creates savings large enough to offset the risk of underinsurance.

Cost containment is possible. Shopping around every six months, completing a state-approved DUI course, and installing a telematics device that records driving habits can each produce discounts of 5% to 20%. National General participates in the state’s safe-driver program and extends a further discount to policyholders who bundle homeowners or renters insurance. While discounts cannot erase the surcharge tied to the SR-22 filing, they can mitigate the hike, especially for motorists willing to maintain flawless payment records during the required three-year period.

No single carrier serves every driver’s needs. Floridians who cannot secure affordable coverage through National General have several reputable alternatives. Progressive, State Farm, GEICO, and Dairyland all file SR-22 forms statewide, with Progressive reporting some of the fastest electronic transmission times—often under two business hours. Local mutual insurers such as Southern Oak and Windhaven may also file SR-22 forms but tend to restrict coverage geographically, focusing on select counties around Miami-Dade or the Panhandle.

When standard carriers decline an application, non-standard specialists come into play. Companies like United Automobile Insurance Company and Direct General cater almost exclusively to high-risk drivers. Premiums may run 10% to 25% higher than those offered by mainstream insurers, yet these carriers provide flexible monthly payment plans and accept higher-risk profiles. For drivers unable to find any voluntary market coverage, Florida has a residual market option—the Florida Automobile Joint Underwriting Association—which guarantees access to liability policies but at markedly elevated rates. Comparing quotes across at least three carriers remains the surest way to confirm whether National General stands out on price and service.

Many misconceptions circulate about SR-22 obligations. First, Florida does not require an SR-22 for every DUI; the filing is necessary only after a suspension begins. Second, an SR-22 from another state usually cannot be “ported” into Florida, because each certificate ties directly to the issuing state’s liability minimums. Third, the SR-22 requirement ends only when the insurer files a final “SR-26 Cancellation” indicating continuous coverage for the mandated term. Canceling a policy early—even on Day 1 of Year 3—can reset the entire obligation.

Questions also arise about vehicle ownership. Florida allows drivers who do not own a car to file a non-owner SR-22 policy. National General offers such policies but restricts them to drivers who have no regular access to a household vehicle. Finally, some motorists believe a good driving record for six months will remove the SR-22 requirement. In reality, only the FLHSMV can lift the mandate, and it does so strictly after the ordered term expires and no lapses have occurred.

National General Insurance does indeed provide SR-22 filings in Florida, giving high-risk motorists a financially stable option backed by a century-old brand. Acceptance depends on the specifics of the driver’s record, but once a policy is issued, the company forwards the form electronically to the FLHSMV, often within two days. Budgeting for the inevitable premium increase, filing fee, and potential surcharges will help prevent unpleasant surprises during the three-year compliance window.

Drivers should still collect competing quotes, because pricing in the high-risk segment can vary by more than $1,000 per year. Whether the final choice is National General or another carrier, the guiding principle remains the same: maintain continuous coverage, drive responsibly, and leverage every feasible discount. Doing so not only satisfies Florida’s financial-responsibility laws but also sets the stage for lower premiums once the SR-22 filing finally comes off the record.