SR-22 Insurance Florida (2026 Guide)
If Florida requires an SR-22 filing after a suspension, DUI, no insurance, or serious violation, this page explains what it is, how it works, how long it typically lasts, and how to compare insurance companies for a policy that meets the state requirement.
What this is: an educational SR-22 Insurance Florida guide + a faster way to compare quotes.
Who it’s for: Florida drivers who need an SR-22 filing (or think they might) and want the right policy type and limits.
Are we the company? A Plus Insurance is an independent agency. We are not the Florida DMV, and we are not a single carrier.
We help you compare multiple insurance companies (including “one-carrier” options) so you can choose coverage that fits your budget and risk.
Value vs going direct: you can compare alternatives in one place with an agent’s policy guidance, usually at no added cost to you.
Savings vary, but shopping multiple quotes is one of the most reliable ways to lower insurance rates over time.
If you’re here because your license was suspended (or you received a letter that says “SR-22 required”), take a breath. An SR-22 is usually straightforward: it’s a form your insurer files to prove you have the required liability insurance. It’s not a separate policy—your auto insurance policy (or non owners policy) is what provides coverage. If you want a fast overview of coverage types and policy service options, start with our auto insurance page.
What is SR-22 insurance in Florida?
“SR-22 insurance” is a common phrase, but technically the SR-22 is a filing attached to a qualifying auto insurance policy. Florida usually requires it when the state wants proof of liability insurance for a period of time after certain violations, accidents, or license issues. That proof of insurance is typically transmitted electronically by the carrier once the policy is active.
SR-22 vs FR-44 in Florida (quick comparison)
| Filing Type | What it means | Common trigger | How we help |
|---|---|---|---|
| SR-22 | Proof you carry required liability coverage | No insurance, suspension, serious violations | We compare insurance companies and set up the correct policy + filing |
| FR-44 | Proof of higher liability limits (Florida-specific) | DUI / serious alcohol-related offenses | We confirm filing type, limits, and fastest proof options |
| No filing | Standard vehicle insurance policy | Most drivers | We still compare quotes for cheapest options and better policy limits |
Is this right for you?
This option may be right if you:
- Want to compare insurance companies (not just one carrier)
- Need help choosing coverage or understanding liability insurance
- Are unsure about policy limits, deductible choices, or proof of insurance timing
- Want to bundle auto insurance with home insurance or renters insurance
- Need an SR22 insurance filing fast after a suspension
You may want something else if you:
- Only want one carrier and don’t want to compare
- Don’t want guidance and prefer self-service only
- Are only shopping by price and ignoring coverage gaps
- Don’t need a filing and just want basic policy service
How to get SR-22 insurance in Florida
The usual process is: (1) confirm the state requirement (SR-22 vs FR-44), (2) choose the correct policy type, (3) bind the policy, then (4) the insurer files the form and you get information read / confirmation for your records. If you don’t own a car, ask about non owners coverage options—those can sometimes satisfy filing rules depending on your situation. (If you’re comparing options, you might also like our broader state resources like SR-22 states.)
Policy types that can work (depending on your situation)
| Policy type | Best for | Notes |
|---|---|---|
| Standard auto insurance | Drivers who own a vehicle | Choose liability only or full coverage depending on vehicle value and lender requirements |
| Non-owner | Drivers who don’t own a car but need proof | Helps cover liability when driving vehicles you don’t own; ask if it fits your SR-22 need |
| Broad form | Not commonly a Florida fit | Broad form is more common in certain states; for context see broad form insurance |
What affects SR-22 price in Florida?
The SR-22 filing itself is usually a small fee, but the bigger cost is the underlying risk rating on the policy—violations, accidents, DUI, a lapse in coverage, and prior cancellations can push insurance rates higher. Your vehicle, coverage limits, credit (where allowed), garaging ZIP code, and whether you choose liability only vs full coverage also matter. If you want the fastest way to compare, use our quote router to get matched to the right insurance quote flow.
Quick tip: If you’re only chasing the cheapest number, you can accidentally buy limits that don’t protect you. A quick coverage review (liability limits, uninsured motorist, comp/collision, deductible) can prevent expensive surprises later. If you want help, use Compare quote alternatives below.
SR-22 insurance rates in Florida (2026 price ranges)
Real premiums vary by driver and carrier, but people often want a starting point. Below are practical 2026 price ranges we see for high-risk filings, shown as an education-only estimate (not a promise). The real way to make this accurate is to compare multiple quotes. You can also review carrier options on our insurance providers page.
| Profile (example) | Liability only (monthly) | Full coverage (monthly) | Notes |
|---|---|---|---|
| SR-22 after lapse / no insurance | $110–$220 | $230–$450 | Rates depend heavily on how long you went uninsured and prior violations |
| SR-22 after speeding / points | $95–$190 | $210–$420 | Ticket severity + prior history usually drive changes |
| SR-22 after at-fault accident | $120–$260 | $260–$520 | Accidents often raise premium and reduce discount eligibility |
| Non-owner SR-22 | $55–$140 | Not typical | Coverage follows the driver for liability; no comp/collision on a vehicle |
Non-owner vs broad-form vs standard auto (plain-English table)
| Option | Who it covers | Vehicle covered? | Common use |
|---|---|---|---|
| Non-owner | The driver | No (liability only) | License reinstatement, occasional borrowing/renting |
| Broad form | The driver (state-dependent) | Limited / varies | More common in specific states; not a go-to Florida solution |
| Standard auto | Driver + listed vehicles | Yes | Most Florida drivers; can be liability only or full coverage |
SR-22 vs standard auto cost comparison (visual)
This chart shows a simple comparison of typical premium direction (not an exact quote). If the chart fails to load, the fallback table will appear automatically.
Florida DMV / state rule notes (practical)
Florida state rules can feel confusing because the “requirement” is about proof of coverage and maintaining it. The fastest way to avoid problems is: keep the policy active, avoid cancellations, and confirm the filing is on record. If you move states later, requirements can change—our state resource helps.
If your policy cancels: many carriers must notify the state, which can trigger another suspension. If you’re worried about payment timing, tell us up front so we can pick a policy structure that’s more stable for you.
If you’re also shopping other lines, bundling can be a meaningful way to improve rates: homeowners insurance, Business insurance, and motorcycle insurance. For more location examples and policy types, see related pages like Atlanta SR-22, Baton Rouge SR-22, and Houston SR-22.
Frequently Asked Questions (SR-22 Insurance Florida)
What is SR22 insurance in Florida?
SR-22 is not a separate insurance type. It’s a state-required filing that shows you have an active auto insurance policy meeting required liability limits. Your policy provides the actual vehicle insurance coverage.
How do I get SR22 insurance in Florida?
You buy a qualifying auto insurance policy (or a non owners policy if you don’t own a car and it fits your requirement), then the insurance company files the SR-22 electronically. If you want help comparing options, use our quote router: .
How much does SR-22 cost in Florida?
The filing fee itself is usually small, but the premium can increase because the underlying violations, accidents, DUI, or lapse signals higher risk. The most reliable way to lower costs is to compare multiple insurance companies and choose coverage that matches your risk and budget.
How fast can I get proof of insurance?
Many carriers can provide same-day proof after your policy is bound and the filing is submitted. Timing can vary by carrier, so if you’re on a deadline, call and we’ll talk through your options.
Does SR-22 cover my car?
The SR-22 is just proof. Coverage comes from your policy. You can choose liability only, or full coverage if your vehicle is financed or you want broader protection (comp/collision + deductible choices).
Do I need SR-22 if I don’t own a car?
Possibly. Some drivers satisfy requirements with non owners coverage if the state accepts it for their situation. If you’re unsure, we can confirm what’s required and quote the correct policy type.
For more auto guidance resources and related state pages, visit our homepage or browse: auto insurance, SR-22 state rules, and our insurance companies list.
Last Updated on by Zee Caddick