Cheapest SR-22 insurance in Florida
The cheapest company for SR-22 insurance in Florida is State Farm, with an average cost of $146 per month, or $1,753 a year. That’s $2,363 cheaper than the average cost of SR-22 insurance in Florida, which is $4,116 per year.
On average, Florida’s high-risk drivers face some of the highest SR-22 insurance rates in the country. But we found that with State Farm, GEICO, Travelers, and a few other car insurance companies have cheaper-than-average rates for Florida drivers who need an SR-22.
It’s always a good idea to compare quotes from different companies before buying to find the company with the cheapest SR-22 insurance for you.
Company | Average monthly cost of SR-22 insurance | Average annual cost of SR-22 insurance |
|---|---|---|
State Farm | $146 | $1,753 |
GEICO | $193 | $2,315 |
Travelers | $250 | $2,999 |
Farmers | $291 | $3,486 |
Mercury | $319 | $3,825 |
UAIC | $344 | $4,133 |
Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Florida
We found the companies with the cheapest SR-22 insurance in Florida by calculating the average rate for drivers with a suspended license or reckless driving citation on their record.
Our driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit. We collected rates from every ZIP code in Florida for a policy with the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
What is SR-22 insurance in Florida?
SR-22 insurance isn’t actually a type of car insurance. It’s actually a form that your car insurance company files with the state to prove you have car insurance that meets the minimum coverage requirements.
In Florida, drivers who need SR-22 must have the following amounts of coverage, at a minimum:
Bodily injury liability (BIL): $10,000 per person, $20,000 per accident
Property damage liability (PDL): $10,000 per accident
Personal injury protection (PIP): $10,000 per accident
SR-22 insurance in Florida has higher minimum coverage requirements than normal car insurance for drivers with clean records. If you need an SR-22 in Florida, you’ll have to get a minimum amount of bodily injury liability coverage, which isn’t required for most Florida drivers.
You may need to get an SR-22 in Florida if your license is suspended for getting too many points. You can get points on your license for driving violations like reckless driving, running a red light, speeding, or leaving the scene of a crash without sharing your information.
Florida laws may require you to have an SR-22 on file for up to three years. If you let your car insurance lapse during the time when you’re supposed to maintain an SR-22, you’ll have to pay a fine and carry an SR-22 for even longer.
Cheapest FR-44 insurance in Florida
Florida is one of two states (the other is Virginia) that sometimes requires an FR-44 form instead of an SR-22. Like an SR-22, an FR-44 is a form that your insurance company files for you, except an FR-44 is usually for more serious violations like a DUI or are involved in a serious accident
We found that GEICO has the cheapest FR-44 insurance in Florida, with an average cost of $149 per month or $1,793 a year — $1,282 cheaper than average.
Company | Average monthly cost of FR-44 insurance | Average annual cost of FR-44 insurance |
|---|---|---|
GEICO | $149 | $1,793 |
State Farm | $155 | $1,865 |
Travelers | $220 | $2,640 |
Nationwide | $220 | $2,642 |
Farmers | $275 | $3,297 |
Mercury | $288 | $3,455 |
UAIC | $290 | $3,484 |
Allstate | $301 | $3,613 |
AIG | $312 | $3,747 |
National General | $351 | $4,216 |
FR-44s in Florida also have higher coverage requirements than SR-22s. Someone with an FR-44 must have at least the following minimum amounts of car insurance:
Bodily injury liability (BIL): $100,000 per person, $300,000 per accident
Property damage liability (PDL): $50,000 per accident
Personal injury protection (PIP): $10,000 per accident
How to get SR-22 or FR-44 insurance in Florida
If your license has been suspended in Florida and the state is requiring you to get either an SR-22 or FR-44, here are the steps to follow:
Shop around and get covered: Since car insurance rates are so expensive in Florida, it’s best to compare quotes before you get covered to find the lowest price for either SR-22 or FR-44 insurance. You probably won’t be able to get quotes online, so you may have to call car insurance companies or agents directly.
Plan to pay a fee: Your insurance company will file your SR-22 or FR-44 for you after you buy coverage, but expect to pay a filing fee as a part of your policy’s premiums. Usually the fee is around $25.
Wait for your license to be reinstated: You should wait for confirmation from your insurance company or the Florida DMV that the state has received the form and your license is no longer suspended before you drive, otherwise you risk even more legal penalties.
Non-owner SR-22 or FR-44 insurance in Florida
People who don’t own a car may still have to get SR-22 or FR-44 insurance if they committed a violation in a borrowed or rented car.
In this case, you’d have to get non-owners SR-22 or FR-44 insurance. Non-owners insurance is a basic policy for people who don’t own a car. It usually includes only the minimum amount of insurance you’d need to meet the requirements of an SR-22 or FR-44 in Florida.
Non-owners SR-22 and FR-44 insurance both work almost exactly like a regular policy, but they’re cheaper since neither includes comprehensive or collision coverage (and since people who don’t own cars usually drive less than people who do).
Frequently asked questions
How much does SR-22 insurance cost in Florida?
In Florida, the average cost of SR-22 insurance is $343 per month or $4,116 a year. That’s expensive, but there are a few companies that have much cheaper rates.
What are the rules for SR-22 insurance in Florida?
Florida drivers whose licenses are suspended have to get SR-22 insurance. If the suspension is because you got a DUI, you’ll have to get FR-44 insurance instead.
How do you get rid of your SR-22 in Florida?
After a set number of years, the Florida Department of Motor Vehicles will let you know that you no longer need an SR-22. Then you can tell your company you no longer need an SR-22 on your policy.
