What Does 10/20/10 Mean for SR-22 Insurance?

Numbers like “10/20/10” show up constantly in insurance conversations without ever getting properly explained. Here’s exactly what they mean for SR-22 coverage in Florida.

What each number represents

These figures represent liability coverage limits, expressed in thousands of dollars:

• First number (10): Bodily injury liability per person — the maximum your policy pays for injuries to one person in an accident you cause
• Second number (20): Bodily injury liability per accident — the maximum total payout for injuries across everyone involved
• Third number (10): Property damage liability — the maximum your policy pays for damage to someone else’s property

Why these are Florida’s standard minimums

Unlike FR-44, which requires coverage above the standard minimums, SR-22 uses Florida’s baseline required limits. This is one of the clearest distinctions between the two — SR-22 confirms you meet the same coverage bar every Florida driver is expected to carry, rather than an elevated one.

Why confirming current limits still matters

Required minimum limits can be adjusted by the state over time, so it’s worth confirming with your insurer or the FLHSMV that the specific figures you’re working with are current, rather than relying on outdated information.

What these limits actually do

These numbers determine how much your insurance pays toward another person’s injuries or property damage if you cause an accident. Coverage beyond these limits would need to come from your own resources, which is why some drivers — even those only required to carry SR-22 at minimum limits — choose to add extra coverage for additional protection.

Coverage limit breakdown

Limit component	What it covers	SR-22 requirement
Bodily injury, per person	Injuries to one person	Florida’s standard minimum
Bodily injury, per accident	Total injuries across an accident	Florida’s standard minimum
Property damage	Damage to others’ property	Florida’s standard minimum

Considering coverage above the minimum

While 10/20/10 satisfies Florida’s SR-22 requirement, it’s worth having an honest conversation with your agent about whether these minimums adequately protect your specific financial situation. A serious accident can quickly exceed lower liability limits, and the gap between what your policy covers and what you’d owe personally is worth understanding clearly before deciding whether to stick with the minimum or add extra protection.

Frequently asked questions

Are 10/20/10 limits enough coverage, or just the legal minimum? They satisfy Florida’s legal requirement, but some drivers choose higher limits for additional financial protection beyond the minimum.

Can I choose limits higher than 10/20/10 while still satisfying SR-22? Yes — SR-22 only requires these limits as a minimum; choosing more coverage is always an option.

Does choosing higher limits affect my premium? Yes, typically a modest increase in exchange for more protection.

What if my coverage falls below these limits? Your policy would no longer satisfy your SR-22 requirement, risking your compliance status with the state.

Where can I confirm my exact required limits? Your court or FLHSMV notice, or your insurance agent, can confirm the current figures that apply to your case.

Let’s make sure your coverage is correct

Florida FR-44 Auto Insurance confirms your exact required limits and finds a policy that satisfies them.

Related: Florida SR-22 Requirements Explained and SR-22 Insurance page.