If you have been convicted of a major violation resulting in license suspension or revoked license, you will be required to maintain SR-22 or FR44 filing with your insurance. This will require you carry the state minimum liability insurance requirements.

Florida State Liability Requirements

Required Liability Coverage:
$10,000 bodily injury liability per person
$20,000 bodily injury liability per accident
$10,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
$10,000 Personal Injury Protection

How much does SR-22 cost in Florida?

When selecting an SR22 insurance provider in Florida, consider the following: SR22 Insurance Florida can be more costly due to the high-risk nature of the policy. Prices vary based on your driving history, chosen insurance company, and required coverage. Typically, the cost ranges between $300 and $800 annually. Comparing rates from different insurers can help you find the best deal.

Here’s a comparison of estimated SR-22 insurance rates from top companies:

Insurance CompanyMonthly RateAnnual Rate
Progressive$25$300
Dairyland$35$420
Travelers$40$480
The General$30$360

To get the best SR22 Insurance Florida rates, maintain a clean driving record and explore available discounts. For more information on SR22 Insurance Florida and other insurance types, reach out for a quote. Contact us today for guidance and resources on securing affordable vehicle insurance options.

Do I need an SR-22 to reinstate my license Florida?

Yes, you need SR22 Insurance Florida to reinstate your license if it was suspended due to serious violations such as DUIs, reckless driving, or multiple at-fault accidents. The SR-22 form proves that you carry the required liability insurance and must be filed with the Florida Department of Highway Safety and Motor Vehicles (DHSMV). Once filed, you must maintain continuous coverage for three years to keep your license valid and avoid further penalties.

Here are the steps to reinstate your license with SR-22 insurance:

  1. Obtain SR-22 insurance from an authorized provider.
  2. File the SR-22 form with the DHSMV.
  3. Pay any required reinstatement fees.
  4. Maintain continuous coverage for three years.

Reinstating your license with SR22 Insurance Florida ensures you comply with state laws and can drive legally. If you need more information or want to compare rates from top insurance companies, contact us today. We’re here to provide the best guidance and resources for your vehicle insurance needs.

SR-22 Insurance Florida – Rates and Requirements for Liability Only by Company

When searching for SR-22 insurance in Florida, understanding rates and requirements is crucial. SR-22 Insurance Florida rates vary by company, but typically range between $300 and $800 annually for liability-only coverage.

The state mandates minimum liability coverage of $10,000 for bodily injury per person, $20,000 per accident, and $10,000 for property damage. To reinstate your license, you’ll need to file an SR-22 form with the Florida DHSMV and maintain continuous coverage for three years. Comparing rates from top providers like Progressive, Dairyland, and Travelers can help you find the best deal and ensure you meet all legal requirements.

SR22 Florida Insurance CompanyAvg. 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
SR22 Insurance Florida

Reasons you may need to File an SR22 or FR44 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.

sr22 insurance florida
sr22 insurance florida

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).

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sr22 insurance florida

Reason Four

Suspension due to child support fines.

There are other reasons, but these are the top four.

SR22 Insurance in Florida – Key Points (Visible in Editor):

  • SR22 is a certification of insurance, not a policy itself.
  • It’s required for certain traffic violations, including DUIs.
  • SR22 verifies liability coverage maintenance.
  • The certificate is typically needed for three years.
  • Insurance costs can vary, so it’s important to shop around.

For more information or a personalized quote, call A Plus Insurance at 1.888.445.2793.

SR-22 Insurance Florida Requirements for Child Support Compliance

If your license has been suspended due to failure to pay child support, you will need SR22 Insurance Florida to get it reinstated. Filing SR-22 insurance in Florida involves obtaining a policy from a licensed insurance provider and submitting the SR-22 form to the Florida Department of Highway Safety and Motor Vehicles (DHSMV). You must maintain this coverage for a minimum of one year. To simplify the process, contact one of our trusted insurance carriers.

Here are some rate comparisons for SR22 Insurance Florida:

Insurance CompanyMonthly RateAnnual Rate
Progressive$25$300
Dairyland$35$420
Travelers$40$480

To file SR22 Insurance Florida, follow these steps:

  1. Contact an insurance provider to set up your SR-22 policy.
  2. Ensure the insurance company files the SR-22 form with the DHSMV.
  3. Pay any required fees and maintain continuous coverage for at least one year.

Call us now to set up the filing with one of our trusted insurance carriers. We’re here to help you with the best rates and comprehensive vehicle insurance options.

Why is the cost of SR-22 Insurance in Florida for high?

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.

SR-22 Insurance Florida Costs by City: Detailed Rates and Comparison

Understanding the cost of SR-22 insurance in Florida by city can help you find the best rates. SR-22 Insurance Florida rates vary based on location, with cities like Miami, Orlando, and Tampa having different premiums. Typically, SR-22 insurance costs between $300 and $800 annually, depending on your driving history and the insurance provider.

To get the most accurate rates, compare quotes from top companies such as Progressive, Dairyland, and Travelers. This ensures you meet state requirements while finding affordable coverage tailored to your specific needs. For detailed rate comparisons and personalized quotes, contact us today.

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 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.

How do I get cheap SR-22 Insurance in Florida?

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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?

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
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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.

What are the requirements for SR-22 in Florida?

To meet the requirements for SR22 Insurance Florida, you must file an SR-22 form with the state to prove you carry the minimum liability insurance. This typically follows serious driving violations like DUIs or multiple at-fault accidents. The required coverage includes $10,000 for bodily injury per person, $20,000 per accident, and $10,000 for property damage. Additionally, you must maintain this insurance continuously for three years without any lapses.

Here’s a quick overview of the SR-22 coverage requirements:

  • Bodily Injury: $10,000 per person
  • Bodily Injury: $20,000 per accident
  • Property Damage: $10,000 per accident

Fulfilling the SR22 Insurance Florida requirements ensures you’re legally covered and can drive without worries. For more details on SR22 Insurance Florida and to compare rates from top insurance companies, contact us today. Our team is here to provide you with the best guidance and resources for your vehicle insurance needs.

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.

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.

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

sr22 insurance florida

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 SR22 Insurance Florida added? 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 SR22 insurance Florida, you can shop other companies for full coverage quotes on your vehicle, with the SR-22.

Average cost for SR22 Insurance Florida with full coverage

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 Insurance Florida filing added.
DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

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
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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