- SR22 Insurance Florida
- SR-22 Insurance Florida – Rates by company Liability Only
- Reasons you may need to File an SR22 or FR44 in Florida
- SR-22 Insurance Florida- Child Support
- Why is the cost of SR-22 Insurance in Florida for high?
- Cost for SR-22 Insurance Florida – City View
- How do I get cheap SR-22 Insurance in Florida?
- Who has the cheapest price by City?
- Laws pertaining to SR-22 In Florida
- Which Companies offer SR22 Insurance Florida
- Need an SR-22 but do not own a vehicle?
- SR-22 Insurance rates by company (full coverage) in Florida
- Average cost for SR22 Insurance Florida with full coverage
- Frequently Asked Questions about SR22 Insurance Florida
- What is SR22 car insurance?
- How long do I need SR22 insurance in Florida?
- Where can I get SR22 car insurance in Florida?
- What We Do at A Plus Insurance
SR-22 Insurance Florida – Rates by company Liability Only
SR22 Florida Insurance Company | Avg. Monthly Rate |
---|---|
The General | $94 |
AssuranceAmerica | $96 |
National General | $100 |
Progressive Insurance | $101 |
Mendota Ins. Company | $106 |
USAA | $108 |
Bristol West | $110 |
Dairyland | $117 |
Geico | $121 |
Travelers | $130 |
American Family | $133 |
Liberty Mutual | $135 |
Nationwide | $135 |
Safeco | $142 |
GAINSCO | $146 |
Reasons you may need to File an SR22 or FR44 in Florida
SR22 Insurance Florida is not insurance. It is a filing WITH your State that you are financially able to be on the roads 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.
Reason One
You may have excessive points on your license due to multiple moving violations within a specific amount of time.
Reason Two
You were in an accident and did not have liability insurance in-force. Which is illegal.
Reason Three
You have been convicted of a DUI (Driving under the influence of drugs or alchol) or a DWI (Driving while intoxicated).
Reason Four
Suspension due to child support fines.
There are other reasons, but these are the top four.
SR-22 Insurance Florida- Child Support
If your license has been suspended due to failure to pay child support, you will be required to carry an SR22 insurance Florida in order to get your license back. The minimum time requirement is 1 year in the state of Florida. Call us now to set up the filing with one of our Trusted Insurance Carriers.
Why is the cost of SR-22 Insurance in Florida for high?
- Risk Profile: An SR-22 is often required for drivers who have been convicted of serious traffic violations or offenses such as DUI/DWI, reckless driving, or driving without insurance. These violations indicate a higher risk of accidents or other problems, which translates to higher insurance premiums.
- Legal Requirements: Florida requires certain drivers to obtain an SR-22 as proof of financial responsibility. This requirement typically applies to individuals with a history of serious traffic violations or driving without insurance. Since these drivers are considered high-risk, insurance companies charge higher premiums to cover the potential costs associated with insuring them.
- State Regulations: Insurance rates can also be influenced by state regulations and market dynamics. Factors such as the frequency of accidents, cost of living, and legal environment can impact insurance costs in Florida.
- Limited Options: Not all insurance companies offer SR-22 policies, and those that do may charge higher premiums to offset the increased risk associated with insuring high-risk drivers.
- Coverage Requirements: SR-22 insurance policies often come with higher coverage limits than standard auto insurance policies. This increased coverage requirement also contributes to higher premiums.
Cost for SR-22 Insurance Florida – City View
Liability insurance is the only thing you need in order to comply with your SR22 insurance Florida. 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.
City | Price |
---|---|
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 |
How do I get cheap SR-22 Insurance in Florida?
- Shop Around: Obtain quotes from multiple insurance companies that offer SR-22 coverage in Florida. Compare rates and coverage options to find the most affordable policy that meets your needs.
- Improve Your Driving Record: While it may take time, improving your driving record by avoiding further violations can help lower your insurance premiums over time. Insurance companies typically offer better rates to drivers with clean records.
- Consider Higher Deductibles: Opting for a higher deductible can lower your insurance premiums. However, make sure you can afford the deductible in case you need to file a claim.
- Take Defensive Driving Courses: Some insurance companies offer discounts to drivers who complete defensive driving courses. These courses can improve your driving skills and demonstrate to insurers that you are committed to safe driving.
- Bundle Policies: If you have multiple insurance needs, such as auto and renter’s insurance, consider bundling them with the same insurance company. Many insurers offer discounts for bundling multiple policies.
- Maintain Continuous Coverage: Avoid gaps in your insurance coverage, as insurance companies may view gaps as a higher risk. Maintain continuous coverage to demonstrate responsibility to insurers.
- Ask About Discounts: Inquire with insurance companies about any discounts you may qualify for, such as discounts for good students, low-mileage drivers, or safety features on your vehicle.
- Seek Assistance: If you’re having difficulty finding affordable SR-22 insurance, consider working with an independent insurance agent who can help you navigate the market and find the best rates available to you.
Who has the cheapest price by City?
City | Price |
---|---|
The Hammocks | Liberty Mutual |
Clearwater | Dairyland* |
Miami | Progressive |
Daytona Beach | Geico |
Kendall | The General |
Tampa | Progressive |
Deerfield Beach | The General |
Fort Myers | The General |
Boynton Beach | Progressive |
Town ‘n’ Country | Progressive |
Coral Springs | Geico |
Delray Beach | Progressive |
Homestead | Progressive |
Cape Coral | Bristol West |
Hollywood | Geico |
Deltona | Liberty Mutual |
Apopka | Bristol West |
Riverview | Geico |
Palm Harbor | Geico |
Margate | Geico |
Largo | Progressive |
Palm Coast | Farmers |
Lauderhill | The General |
Alafaya | National General |
Davie | Progressive |
Fort Lauderdale | Progressive |
Doral | The General |
Tamiami | Progressive |
Tallahassee | Progressive |
Sarasota | The General |
Port St. Lucie | Dairyland* |
Plantation | Liberty Mutual |
The Villages | The General |
Fountainebleau | Farmers |
Lehigh Acres | The General |
Miami Gardens | Farmers |
Tamarac | The General |
North Port | Progressive |
Wesley Chapel | The General |
Coconut Creek | Geico |
Pine Hills | The General |
Lakeland | The General |
North Miami | Progressive |
Kissimmee | The General |
Bradenton | Geico |
Boca Raton | Geico |
Pensacola | Progressive |
Port Orange | The General |
Weston | Bristol West |
Jacksonville | Progressive |
Sanford | Progressive |
St. Petersburg | Progressive |
Orlando | Progressive |
Spring Hill | Dairyland* |
Pompano Beach | Geico |
Miramar | Geico |
Pinellas Park | Geico |
Melbourne | Geico |
Palm Bay | Geico |
Hialeah | The General |
Poinciana | Geico |
Jupiter | Progressive |
St. Cloud | Progressive |
Palm Beach Gardens | Liberty Mutual |
Brandon | Geico |
Miami Beach | Liberty Mutual |
Pembroke Pines | Progressive |
Bonita Springs | National General |
West Palm Beach | The General |
Sunrise | Progressive |
Wondering which companies offer the cheapest insurance rates by city? Check above for a list of common cities and the cheapest insurance companies for an SR22 Insurance Florida.
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 SR22 insurance Florida. This will require you carry the state minimum liability insurance requirements.
Which Companies offer SR22 Insurance Florida
Company | SR22 Offered |
---|---|
21st Century | no |
Safeco | no |
Liberty Mutual | yes |
National General | yes |
Nationwide | no |
Dairyland | yes |
American Family | no |
The General | yes |
State Farm | unsure |
Progressive Insurance | Yes |
Geico | yes |
Bristol West | yes |
Farmers | yes |
GAINSCO | yes |
Acceptance RTR | yes |
USAA | NO |
Allstate | unsure |
Travelers | no |
Mendota Ins. Company | yes |
Non-Owners Broadform
Need an SR-22 but do not own a vehicle?
If you do not own a vehicle but are required to carry SR22 insurance Florida, 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 SR22 insurance Florida filing to that policy.
Covered for Liability
Whether you are driving a friends vehicle or a parents vehicle you are covered for liability only.
Upgrade when you get your wheels
Broadforms do not offer Full Coverage. So if you are making payments on a new car, upgrade to a more comprehensive policy
SR-22 Insurance rates by company (full coverage) in Florida
Company | SR22 Full Coverage (average) |
---|---|
American Family | N/A |
Mendota Ins. Company | $175.00 |
Dairyland | $186.00 |
21st Century | N/A |
Bristol West | $211.00 |
Acceptance RTR | $173.00 |
GAINSCO | $207.00 |
State Farm | N/A |
Safeco | N/A |
National General | $188.00 |
Travelers | N/A |
State Auto | N/A |
Geico | $191.00 |
USAA | N/A |
The General | $209.00 |
Average cost for SR22 Insurance Florida with full coverage
City | Price |
---|---|
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 |
An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.
Frequently Asked Questions about SR22 Insurance Florida
What is SR22 car insurance?
SR22 car insurance is a type of insurance policy that serves as proof of financial responsibility for individuals who have been convicted of certain driving offenses, such as DUI or driving without insurance, in the state of Florida.
How long do I need SR22 insurance in Florida?
The duration for which you need SR22 insurance in Florida varies based on the specifics of your violation. Typically, it’s required for 3 years, but this can vary depending on the severity of the offense and other factors.
Where can I get SR22 car insurance in Florida?
For personalized assistance and competitive rates on SR22 car insurance in Florida, contact our experienced team at 1-888-445-2793.
Cities in Florida: SR22 Insurance |
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Jacksonville Car Insurance SR22 |
Miami Car Insurance SR22 |
Tampa car insurance SR22 |
Orlando Car Insurance SR22 |
St. Petersburg Car Insurance SR22 |
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Last Updated on by Veronica Moss