The FL Department of Highway and Safety and Motor Vehicles (HSMV) lists a 30 day suspension for 12 points earned within 12 months, a 3 month suspension for 18 points earned in 18 months and a one year suspension for 24 points within a 36 month period. So it would appear that you have received 24 points within a period 3 years to receive a 1 year driver's license suspension.

Florida law requires drivers to carry bodily injury liability (BIL) insurance in addition to PIP and PDL coverages in some cases, such as when a driver is convicted of certain traffic violations. The Florida Driver's Manual states that the FL Financial Responsibility Law requires a person to have bodily injury liability insurance at the time of receiving a suspension for too many points against your driver license.

If you do not have insurance to comply with the Financial Responsibility Law at the time exceeding the points total, your driver license and/or license plate will be suspended for up to 3 years. You will have to pay a $15 reinstatement fee and show the department certified proof of full liability insurance on Form SR-22 for three years to get your driving privilege back.

From this Florida Driver Handbook information it would appear that you will need to file the SR22 with the state for 3 years. You can contact the FL HSMV to find out for certain how long you will be required to carry a SR-22 due to your specific situation. If you need to obtain auto Florida auto insurance, including the SR-22 filing, you can click here for car insurance prices.