You need an SR-22 in Florida for 3 years. That means drivers must maintain at least the minimum car insurance coverage required by Florida law for 3 years. If there is any lapse in coverage, the clock resets. Jun 16, 2020
5 years But generally, insurers will ask about the last 5 years. If your insurer asks about the last 5 years, claims you made and accidents you had more than 5 years ago won't affect the price of your car insurance. Sometimes, insurers will ask for a more detailed claims history from some drivers than others. Feb 15, 2022
If you have claimed on your car insurance, you can expect to pay 20% to 50% more for cover in the future. However, the amount varies depending on who is to blame for the claim, the severity and expense of the accident, and your overall driving record.