SR-22 Insurance in Florida

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SR-22 Insurance rates by company (liability only) in Florida

CompanySR22 Liability (average)
NationwideN/A
Farmers$97.00
AssuranceAmerica$118.00
Mendota Ins. Company$125.00
Dairyland$65.00
USAAN/A
American FamilyN/A
SafecoN/A
AllstateN/A
The General$121.00
21st CenturyN/A
National General$99.00
Acceptance RTR$76.00
Liberty Mutual$127.00
Geico$76.00
State AutoN/A
Liability Insurance is the minimum requirement for your SR-22. The average cost for liability with an SR-22 filing is listed above for each Insurance company.

DUI and SR-22 in Florida

The average amount of time a driver will need to maintain an SR-22 in Florida for a DUI is 3 years for the first conviction. The 2nd and 3rd conviction may require 5-10 years for the SR-22.

Reasons you may be required to carry an SR-22 in Florida

License suspension for failure to pay fines
Excessive points violations
At Fault accident with no insurance
Multiple Traffic Offenses
Suspension of license due to child support
DUI (Driving under the influence of Drugs or Alcohol)
DWI (Driving while intoxicated)
Driving while Suspended/revocation
Previous incarceration
Any Major Violation, like listed above, will require an SR-22 if your license has been suspended or revoked.

SR-22 and child support in Florida

If your license has been suspended due to failure to pay child support, you will be required to carry an SR-22 in order to get your license back. The minimum time requirement is 1 year in the state of Florida.

Cost for SR-22 Insurance by city (liability only) in Florida

CityPrice
Tallahassee$90.00
Miramar$91.00
Coconut Creek$95.00
Miami Beach$107.00
Tamiami$95.00
Tampa$87.00
Daytona Beach$106.00
Jupiter$89.00
Town ‘n’ Country$94.00
Sunrise$106.00
Fort Lauderdale$94.00
Fort Myers$100.00
Palm Harbor$94.00
Deerfield Beach$103.00
Kendall$96.00
Brandon$94.00
Port St. Lucie$95.00
Homestead$91.00
Delray Beach$91.00
Tamarac$93.00
Melbourne$87.00
Boynton Beach$96.00
Kissimmee$109.00
North Miami$105.00
Clearwater$99.00
Hialeah$105.00
Plantation$90.00
Wellington$93.00
Spring Hill$99.00
Ocala$105.00
Deltona$94.00
The Hammocks$105.00
Orlando$106.00
Weston$88.00
Gainesville$97.00
Port Charlotte$92.00
Miami$96.00
Fountainebleau$88.00
Margate$90.00
Lehigh Acres$97.00
Palm Bay$105.00
West Palm Beach$90.00
St. Petersburg$92.00
Pembroke Pines$104.00
Poinciana$86.00
Port Orange$102.00
Sanford$87.00
Doral$100.00
Pinellas Park$108.00
Bonita Springs$97.00
Kendale Lakes$107.00
Davie$104.00
Lakeland$105.00
The Villages$93.00
Pompano Beach$86.00
North Port$107.00
Alafaya$102.00
Pensacola$95.00
Riverview$103.00
Lauderhill$110.00
Jacksonville$88.00
Palm Coast$86.00
Pine Hills$103.00
St. Cloud$89.00
Liability insurance is the only thing you need in order to comply with your SR-22. The cost for liability insurance varies upon the insurance company and your location. Larger cities will higher amounts of accidents/claims may cost more for insurance than smaller cities.

Who has the cheapest price on SR-22 (by city) in Florida

CityPrice
The HammocksLiberty Mutual
ClearwaterDairyland*
MiamiProgressive
Daytona BeachGeico
KendallThe General
TampaProgressive
Deerfield BeachThe General
Fort MyersThe General
Boynton BeachProgressive
Town ‘n’ CountryProgressive
Coral SpringsGeico
Delray BeachProgressive
HomesteadProgressive
Cape CoralBristol West
HollywoodGeico
DeltonaLiberty Mutual
ApopkaBristol West
RiverviewGeico
Palm HarborGeico
MargateGeico
LargoProgressive
Palm CoastFarmers
LauderhillThe General
AlafayaNational General
DavieProgressive
Fort LauderdaleProgressive
DoralThe General
TamiamiProgressive
TallahasseeProgressive
SarasotaThe General
Port St. LucieDairyland*
PlantationLiberty Mutual
The VillagesThe General
FountainebleauFarmers
Lehigh AcresThe General
Miami GardensFarmers
TamaracThe General
North PortProgressive
Wesley ChapelThe General
Coconut CreekGeico
Pine HillsThe General
LakelandThe General
North MiamiProgressive
KissimmeeThe General
BradentonGeico
Boca RatonGeico
PensacolaProgressive
Port OrangeThe General
WestonBristol West
JacksonvilleProgressive
SanfordProgressive
St. PetersburgProgressive
OrlandoProgressive
Spring HillDairyland*
Pompano BeachGeico
MiramarGeico
Pinellas ParkGeico
MelbourneGeico
Palm BayGeico
HialeahThe General
PoincianaGeico
JupiterProgressive
St. CloudProgressive
Palm Beach GardensLiberty Mutual
BrandonGeico
Miami BeachLiberty Mutual
Pembroke PinesProgressive
Bonita SpringsNational General
West Palm BeachThe General
SunriseProgressive
Wondering which companies offer the cheapest insurance rates by city? Check above for a list of common cities and the cheapest insurance companies in that area.

Laws pertaining to SR-22 in Florida

If you have been convicted of a major violation resulting in license suspension or revoked license, you will be required to maintain SR-22 insurance. This will require you carry the state minimum liability insurance requirements.

Which Insurance companies offer SR-22 in Florida

CompanySR22 Offered
21st Centuryno
Safecono
Liberty Mutualyes
National Generalyes
Nationwideno
Dairylandyes
American Familyno
The Generalyes
State Farmunsure
Progressive InsuranceYes
Geicoyes
Bristol Westyes
Farmersyes
GAINSCOyes
Acceptance RTRyes
USAANO
Allstateunsure
Travelersno
Mendota Ins. Companyyes
Not sure where to start looking for insurance quotes? Above is a list of common insurance companies in the areas of Florida, that do and do not offer SR-22 Insurance. If you are already insured, call your insurance company to ask if they can add an SR-22 to your policy. If you’re not insured, check with one of the companies above for a quote.

Need an SR-22 but do not own a vehicle?

If you do not own a vehicle but are required to carry an SR-22, the State of Florida offers a Non Owners Policy. This will insure the driver for the minimum liability requirements by law, and you can attach the SR-22 filing to that policy.

SR-22 Insurance rates by company (full coverage) in Florida

CompanySR22 Full Coverage (average)
American FamilyN/A
Mendota Ins. Company$175.00
Dairyland$186.00
21st CenturyN/A
Bristol West$211.00
Acceptance RTR$173.00
GAINSCO$207.00
State FarmN/A
SafecoN/A
National General$188.00
TravelersN/A
State AutoN/A
Geico$191.00
USAAN/A
The General$209.00
Financing a vehicle which requires full coverage and also need an SR-22? This does not require a separate policy. You can add the SR-22 filing to your existing policy for a small fee. If your insurance company does not offer SR-22, you can shop other companies for full coverage quotes on your vehicle, with the SR-22.

Average cost for SR-22 Insurance (full coverage) in Florida

CityPrice
Port Charlotte$166
Kissimmee$174
Boynton Beach$152
Sarasota$162
Port Orange$154
Miami Gardens$167
Town ‘n’ Country$155
North Port$147
Sanford$163
Melbourne$155
Alafaya$172
Plantation$157
West Palm Beach$181
Delray Beach$146
Tampa$158
Weston$159
Wellington$159
Palm Coast$153
Fountainebleau$171
Orlando$158
Tallahassee$167
Jupiter$166
Fort Myers$163
Apopka$181
Miami Beach$160
Kendale Lakes$163
Kendall$173
Poinciana$176
Boca Raton$149
Pine Hills$163
Coconut Creek$168
Gainesville$176
Lehigh Acres$182
Ocala$181
Lauderhill$154
Deerfield Beach$179
Homestead$158
Hollywood$182
St. Cloud$151
St. Petersburg$153
Pembroke Pines$162
Palm Harbor$172
Largo$156
North Miami$161
Sunrise$173
Tamarac$157
Bonita Springs$161
Hialeah$156
Bradenton$162
Wesley Chapel$153
Margate$168
The Hammocks$163
Riverview$172
Palm Beach Gardens$166
Port St. Lucie$157
Fort Lauderdale$172
Clearwater$179
Miami$168
Pompano Beach$146
Daytona Beach$146
Above are the rates per city for Full Coverage with an Sr22 filing added.
What states don’t require an SR-22?

Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania.

How do I know if I need an SR-22 In Florida?

If you’ve been convicted of a major violation, you may require an SR-22. Contact the DMV for additional information pertaining to your circumstance.

How much does SR-22 cost in Florida?

The average cost for an SR-22 filing in Florida is $25 per term (6 months or 12) This varies depending upon your insurance provider.

What if I’m required to carry SR-22 but don’t own a vehicle in Florida?

Florida offers a Non Owners policy, which will meet the state minimum insurance requirements, and you can add the SR-22 filing to that policy.

How do I find out if i need an SR-22 in Florida?

Contact your local DMV about information regarding SR-22 requirements.

What happens if I let my SR-22 lapse in Florida?

If your SR-22 lapses, you may need to pay additional reinstatement fees, and the time required to carry the SR-22 will re start.

How do I get an SR-22 in Florida?

If you are insured, start by contacting your insurance company to ask if they offer SR-22. If you are not insured, check multiple places to find the best price for you.

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Last Updated on October 18, 2021 by Katie Sopko

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