SR-22 Insurance Florida

Although commonly called "SR-22 insurance," an SR-22 is a form proving you have a car insurance policy meeting Florida's minimum liability requirements. Florida law requires drivers convicted of certain severe driving violations to file an SR-22 for license reinstatement. After filing an SR-22, insurance carriers typically view you as riskier to insure, leading to higher insurance premiums.

Mandatory for three years after severe driving violations, an SR-22 form certifies to Florida officials you meet the state's minimum liability coverage requirements. To comply with SR-22 laws in Florida (or FR-44 laws for a DUI), you'll need to meet the following coverage criteria:

Across coverage levels, State Farm has the cheapest SR-22 insurance for most Florida drivers. The provider's $66 per month minimum liability rate is over 38% less expensive than the $108 state average, amounting to an estimated annual savings of $504.

For drivers seeking full coverage SR-22 insurance, State Farm's $130 per month average rate is also the cheapest option in the state.

With average rates of $53 per month or $638 per year, GEICO offers the cheapest non-owner SR-22 insurance in Florida. Drivers with an SR-22 filing who don’t own a vehicle can purchase non-owner car insurance to meet state-minimum coverage requirements.

Below is a list of providers offering cheap non-owner SR-22 insurance in Florida with average rates for minimum coverage policies:

The average cost of car insurance in Florida for someone with an SR-22 is $1,385 per year for minimum coverage, over 38% more expensive than the state average annual rate of $968 for drivers with a clean record.

The average cost of full coverage SR-22 car insurance in Florida is $3,063, 52% higher than the state average rate of $2,011 for drivers with a clean record.

The specific violation you're convicted of raises insurance costs, not the SR-22 form itself. Below, you can compare the price of SR-22 insurance in Florida for common violations (DUIs, tickets, accidents) across multiple age brackets with average rates for drivers with a clean record:

Although an SR-22 (also called an “SR-22 bond” or “certificate of financial responsibility”) is often confused with an insurance policy, the form is actually a certification filed by your insurer that confirms to state officials that you hold enough liability insurance to comply with the reinstatement requirements of Florida Financial Responsibility law.

In Florida, an SR-22 is required by state law for drivers who have committed serious driving offenses. This form is crucial for keeping your driver's license. Drivers who have committed the following violations are most likely to be mandated by court order to file an SR-22 in Florida:

In Florida, SR-22 certificates are usually required for three years. Keep in mind that if you’ve been charged with driving under the influence (DUI), you’ll need to file an FR-44 instead, which requires higher coverage. The period can extend to five to ten years for second and third convictions.

Along with staying in compliance with Florida's state minimum coverage laws for three years, there are other rules that drivers with an SR-22 in Florida should be aware of:

• Fees: To regain driving privileges, you must provide proof of full liability insurance on SR-22 and pay a reinstatement fee.
• Insurers can drop you: Upon filing an SR-22, Florida insurers may cancel your policy or not renew it, requiring you to seek a new provider.
• Compliance: Continuous coverage is required during the SR-22 period. Insurers must notify the state of policy lapses, leading to possible penalties or license suspensions.
• Relocation: If you move out of state during the period, you must contact the insurer for an out-of-state filing.
• FR-44: You’ll need FR-44 insurance and must pay higher coverage limits if you’re convicted of a DUI.
• Cancellation: After your three-year term, your insurer should file a financial responsibility cancellation, notifying the FLHSMV that you’ve satisfied the SR-22 requirement.

Filing an SR-22 in Florida is required for drivers with serious violations, like driving without a license or reckless driving. Not filing can lead to more penalties, including a license suspension. Here are the steps to file an SR-22 in Florida:

To avoid penalties and be able to reinstate your license, its important to maintain minimum coverage for the entire SR-22 period. If you don't already have coverage, you'll need an SR-22 insurance quote. After filing an SR-22, you might be denied coverage or have your policy cancelled. For this reason, getting an SR-22 car insurance quote in Florida can be more difficult than it is for drivers with a clean record.

Florida's high-risk drivers may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices. When getting and SR-22 insurance quote, make sure to check with your insurer for the exact fee amount if you are filing for the first time. Beyond that, to get the cheapest SR-22 insurace quotes in Florida, we recommend the following:

Non-owner car insurance provides liability coverage for those who drive often but don't own a car. It ensures that you will be covered if you drive someone else's car.

Once you've purchased a non-owner car insurance policy in Florida, the insurance company can file an SR-22 form to ensure compliance with state law and reinstatement of your license after the required three-year period.

Non-owner policies are great for those renting cars or driving for rideshare services, covering third-party injuries and property damage if you cause an accident. Moreover, non-owner vehicle insurance in Florida is usually cheaper than standard insurance. To find the best rates, compare quotes from different insurers.

Floridians who have committed severe driving-related offenses must file an SR-22 to verify they have the minimum amount of liability coverage. Drivers must carry this form for three years or more for more serious or repeat offenses. Despite being charged higher rates, there are several cheap car insurance providers in Florida for those with SR-22s.

Below are frequently asked questions about SR-22 certifications in Florida:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for drivers of various profiles and needs in Florida.

Florida Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000–1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage insurance policies to help motorists find the cheapest SR-22 insurance for their desired coverage level. For the most affordable minimum coverage policy, quotes were based on Florida’s minimum coverage car insurance requirements with the following liability limits:

• $10,000 for property damage liability per accident
• $20,000 for personal injury protection (PIP) per accident
• $10,000 personal injury protection (PIP) per person

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.