Updated: January 9, 2025
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GEICO offers the cheapest non-owner SR-22 insurance in Florida, with average rates of $638 per year or $53 per month.
The average cost of SR-22 insurance in Florida is $115 per month for state minimum coverage and $255 per month for full coverage.
Per accident Florida SR-22 requirements include $10,000 for personal injury ($20,000 for two persons) and $10,000 for property damage protection.
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.
| State Farm | $66 | $130 |
| Travelers | $92 | $190 |
| Progressive | $108 | $187 |
| GEICO | $110 | $330 |
| Allstate | $112 | $256 |
| Farmers | $122 | $253 |
| Direct General Insurance | $125 | $255 |
| Mercury | $126 | $342 |
| Nationwide | $178 | $354 |
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:
| GEICO | $638 | $53 |
| Travelers | $1,037 | $86 |
| State Farm | $1,038 | $87 |
| Allied | $1,047 | $87 |
| Nationwide | $1,047 | $87 |
| Progressive | $2,177 | $181 |
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.
| Full Coverage | $255 | $3,063 |
| Minimum Coverage | $115 | $1,385 |
Florida insurers typically charge a one-time filing fee for an SR-22. Fees vary, but expect to pay around $15 to $25. This fee is separate from your insurance premium.
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:
| Full Coverage | $3,182 | $265 |
| State Minimum Liability Only | $1,456 | $121 |
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.
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.
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:
Form | Requirements |
|---|---|
SR-22 |
|
FR-44 | Florida is one of only a few states that have alternative forms in addition to SR-22 requirements. In Florida, an FR-44 is required for drivers convicted of more serious offenses, such as DUIs. The FR-44 form demonstrates that you carry higher liability coverage than standard insurance (unlike the SR-22, which only requires minimum coverage). Here are the FR-44 insurance requirements in Florida:
|
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:
Serious traffic offenses — such as reckless driving or multiple at-fault accidents — may require SR-22 insurance. For DUI convictions, an FR-44 filing and higher liability limits are required.
Drivers with multiple speeding tickets or other driving-related offenses in the previous six months may need SR-22 insurance in Florida.
You may have to file an SR-22 if you get caught driving without insurance in Florida, especially if it's happened multiple times or you caused an accident without insurance.
If you've been caught driving with a suspended or revoked license, you may need SR-22 insurance.
In Florida, you may need to file an SR-22 if you've had a driver's license suspension following a failure to pay child support.
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:
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:
Ask your insurance company to file the SR-22. It knows your policy and can add the form to your coverage.
If you need insurance with an SR-22, ensuring your policy meets Florida's minimum liability coverage requirements of 10/20/10 is required to satisfy the SR-22 conditions. Your insurer can help adjust your policy if needed.
Florida insurers typically charge a one-time filing fee for an SR-22. Fees vary, but expect to pay around $15 to $25.
After you pay the fee, your insurer will file the SR-22 form on your behalf. Confirm with your insurer that all fees have been paid and that the form has been filed correctly and on time.
To prevent legal issues and other penalties, keep your insurance active and contact your insurer to ensure your SR-22 is valid for three years.
High-risk drivers with violations on their record may consider non-standard auto insurance. It usually costs more than standard policies but offers coverage for those who might struggle to find insurance.
To avoid penalties and be able to reinstate your license, it is 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 canceled. 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 an 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 insurance quotes in Florida, we recommend the following:
Tip | Description |
|---|---|
Complete DUI classes or programs | Enrolling in state-approved DUI programs demonstrates a commitment to safer driving, which some insurers might reward with reduced premiums. |
Look for discounts | Even after a DUI, discounts might be available. Check with your insurer about bundling policies or discount options for completing driving courses, installing safety features in your vehicle or paying in full and through electronic billing. |
Compare car insurance quotes | Because some insurers don't offer SR-22 insurance, premiums can be higher due to limited coverage options (in addition to increased risk). To find more affordable options, compare auto insurance quotes from multiple providers. |
Check for high-risk programs | Some insurance providers have specific programs tailored for high-risk drivers, which can help you find better rates. |
Adjust your coverage | Adjust your coverage to match your needs and budget. Choosing a higher deductible (which only applies to full coverage policies) or reducing sub-optional coverages can lower your monthly premiums. |
Consider non-owner SR-22 insurance | If you don’t own a vehicle, non-owner SR-22 insurance may be a more affordable way to meet state requirements. |
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. For more serious or repeat offenses, drivers must carry this form for three years or more. 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:
Florida's cheapest SR-22 car insurance options include State Farm, with an average monthly premium of $66, and Travelers at $90 per month.
Filing an SR-22 increases car insurance rates in Florida by $25 per month. The monthly average cost for drivers is $115 for SR-22 insurance, compared to $81 for those with a clean record.
In Florida, you must maintain an SR-22 for three years. Failure to maintain coverage for the required time will restart the clock on your SR-22 requirement and can result in reinstatement fees and/or additional enforcement actions, including suspending your driver's license.
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:
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:
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:
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
