Best Tampa Car Insurance SR22 Rates

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FL 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

What Are the State Minimum Insurance Requirements for SR22 in Tampa, FL?

To ensure compliance with Florida’s regulations, drivers in Tampa, FL, must meet specific minimum insurance requirements for SR22. Typically, this includes liability coverage limits of at least $10,000 for property damage, $10,000 for personal injury protection (PIP), and $10,000 per person and $20,000 per accident for bodily injury liability. Tampa Car Insurance SR22 requirements aim to protect both drivers and their vehicles on Tampa’s busy roads. Remember that these are the bare minimums, and it’s often advisable to consider higher coverage limits for better protection.

Here’s a breakdown of the state minimum insurance requirements for SR22 in Tampa, FL:

  • Property Damage Liability: At least $10,000
  • Personal Injury Protection (PIP): At least $10,000
  • Bodily Injury Liability: At least $10,000 per person and $20,000 per accident

These requirements ensure that drivers have basic coverage in place to handle potential accidents and injuries while driving in Tampa. It’s crucial to consult with your insurance agent to ensure you meet these requirements adequately.

Who Offers the Lowest Rates on SR22 Insurance in Tampa?

When seeking the lowest Tampa car insurance sr22 rates, several factors come into play, including your driving history and the insurance carrier you choose. However, based on recent data, insurance companies such as Progressive, Dairyland, and Travelers often offer competitive rates for SR22 coverage in the Tampa area. It’s essential to compare quotes from multiple carriers to find the most affordable option tailored to your needs.

List of Insurance Carriers Offering SR22 Insurance in Tampa:

  • Progressive
  • Dairyland
  • Travelers
  • Gainsco
  • Assurance
  • National General
  • Bristol West
  • The General
Insurance CompanySample Annual Premium Range
Progressive$600 – $1100
Dairyland$620 – $1150
Travelers$650 – $1200
Gainsco$600 – $1120
Assurance$630 – $1180
National General$620 – $1140
Bristol West$640 – $1160
The General$630 – $1180

These rates are estimates and may vary based on individual factors. Contact us for personalized quotes and assistance in finding the best Tampa car insurance sr22 Rates

Cost for SR22 Insurance Full Coverage in Tampa, FL

In Tampa, FL, the cost for SR22 insurance with full coverage can vary based on several factors, including your driving history, age, vehicle type, and coverage limits. On average, drivers can expect to pay between $1000 and $3000 annually for SR22 full coverage insurance. However, rates can be higher for drivers with previous violations or accidents on their record.

Here’s a comparison of estimated annual premiums for full coverage Tampa car insurance sr22 rates with various insurance companies:

Insurance CompanyAnnual Premium ($)

These rates are estimates and may vary based on individual circumstances. It’s essential to shop around and compare quotes from multiple insurance carriers to find the best coverage at the most competitive rates. Remember to consider factors such as customer service, coverage options, and discounts when choosing an insurance provider for your SR22 policy.

Non-Owners SR22 Rates: What You Need to Know

When considering Non-Owner Tampa car insurance sr22, it’s crucial to understand the implications and costs involved. These policies are designed for individuals who don’t own a vehicle but require SR22 coverage to fulfill legal requirements. Rates can vary significantly based on factors such as driving history, age, and insurance carrier. To give you an idea, here’s a sample table showcasing estimated annual premiums from various reputable insurance companies:

Insurance CompanySample Annual Premium Range
Progressive$500 – $900
Dairyland$520 – $950
Travelers$550 – $1000
Gainsco$490 – $920
Assurance$530 – $980
National General$510 – $940
Bristol West$540 – $980
Mendota$510 – $930
The General$530 – $980
Suncoast$540 – $1000

Remember, these are estimates and actual rates may vary. Contact us for personalized quotes tailored to your specific situation and needs.

Top Reasons Why You May Be Required to Carry an SR22 in Tampa

Carrying an SR22 in Tampa, FL, may be required for several reasons, primarily related to serious traffic violations or other incidents that classify you as a high-risk driver. Here are the top reasons why you may need to obtain an SR22:

  1. DUI or DWI Conviction: If you’re convicted of driving under the influence (DUI) or driving while intoxicated (DWI), you’ll likely be required to file an SR22 with the state to reinstate your driving privileges.
  2. Multiple Traffic Violations: Accumulating multiple traffic violations within a short period, such as reckless driving or speeding tickets, can lead to the need for an SR22 filing.
  3. At-Fault Accidents: Being found at fault in one or more accidents, especially if they result in injuries or significant property damage, may prompt the state to require an SR22 filing as a condition of reinstating your driver’s license.
  4. Driving Without Insurance: If you’re caught driving without valid auto insurance coverage, you may be mandated to obtain an SR22 to prove financial responsibility before regaining your driving privileges.
  5. License Suspension or Revocation: A suspension or revocation of your driver’s license due to any traffic-related offense or failure to comply with state regulations can trigger the need for an SR22 filing.

It’s crucial to understand the specific requirements imposed by the state of Florida and your individual circumstances to comply with SR22 obligations effectively. Failure to maintain SR22 insurance as mandated by law can result in further penalties and license suspension.

What Are the Laws Pertaining to SR22 in Florida?

Here are some key legal guidelines regarding SR22 insurance in Florida:

  1. Requirement Basis: SR22 insurance is mandated for individuals who have committed certain traffic offenses or violations.
  2. Minimum Coverage: The minimum liability coverage for SR22 insurance in Florida is $10,000 for property damage, $10,000 for personal injury protection (PIP), and $10,000 for bodily injury per person.
  3. Duration: Typically, individuals are required to maintain SR22 insurance for a minimum of three years from the date of reinstatement of their driving privileges.
  4. Filing Process: Insurance carriers must directly file SR22 forms with the Florida Department of Highway Safety and Motor Vehicles (DHSMV) on behalf of the insured.
  5. Non-Compliance Penalties: Failure to maintain SR22 insurance can lead to license suspension or revocation, fines, and other legal consequences.

Company Fees for SR22 in Tampa: Explained

When it comes to understanding the company fees for Tampa car insurance sr22, it’s essential to recognize that these fees can vary depending on several factors, including the insurance provider, your driving history, and the level of coverage required. Typically, insurance companies charge an additional fee for filing an SR22 form with the state on your behalf, ranging from $15 to $50. However, this fee is separate from the cost of your insurance premium and is usually a one-time or annual charge. Some companies may also impose processing or administrative fees associated with managing SR22 filings. It’s advisable to consult with your insurance agent to understand the specific fees associated with SR22 coverage from various providers in Tampa.

Sample SR22 Insurance Company Fees in Tampa:

Insurance CompanySR22 Filing FeeAdministrative FeeTotal Fee
National General$45$22$67
The General$20$12$32

How Does a DUI Affect Your SR22 Insurance Rates in Tampa?

When you receive a DUI in Tampa, it significantly impacts your SR22 insurance rates. Following a DUI conviction, insurance companies typically consider you a high-risk driver, leading to an increase in your premiums. The exact increase varies depending on factors such as your driving history, the severity of the offense, and the insurance company’s policies. In Tampa, a DUI can lead to a substantial rise in SR22 insurance rates, sometimes doubling or even tripling your premiums. It’s crucial to compare quotes from multiple insurance carriers to find the most affordable option for your situation.

Sample SR22 Insurance Rate Comparison in Tampa:

Insurance CompanyBefore DUI RateAfter DUI RateIncrease
National General$125/month$300/month$175
Bristol West$105/month$260/month$155
The General$100/month$250/month$150

Who Offers the Cheapest SR22 Insurance Liability Only in Tampa?

When seeking the cheapest Tampa car insurance sr22 liability rates, consider insurers like Progressive and Dairyland. They often provide competitive rates for minimal coverage, catering to those seeking affordable options.

Insurance CompanyAverage Monthly Rate ($)Coverage Type
Progressive$50Liability Only
Dairyland$55Liability Only
Travelers$60Liability Only

Ensure to compare rates from multiple carriers to find the best deal for your specific needs. Remember, while affordability is crucial, it’s equally important to ensure adequate coverage to protect yourself financially in the event of an accident.

Why does my Tampa zip code affect my car insurance rates?

Your Tampa zip code can significantly influence your car insurance rates due to various factors unique to each area. Factors such as crime rates, population density, weather conditions, and demographics play a crucial role in determining insurance premiums. For example, areas with higher crime rates may experience increased rates due to a greater risk of theft or vandalism, while densely populated areas may see higher rates due to increased traffic congestion and accident frequency. Additionally, weather-related risks such as hurricanes and floods can also impact insurance rates in certain zip codes.

Factors affecting car insurance rates in Tampa:

  1. Crime rates: Higher crime rates in certain zip codes may result in increased rates due to a greater risk of theft, vandalism, and fraud.
  2. Population density: More densely populated areas often experience higher rates due to increased traffic congestion and accident frequency.
  3. Weather conditions: Areas prone to severe weather events such as hurricanes and floods may see higher insurance rates to account for increased risk of damage.
  4. Demographics: Factors such as age, gender, and marital status of residents in a zip code can influence insurance rates.
  5. Traffic patterns: Zip codes with heavy traffic congestion or high accident rates may have higher insurance premiums to offset the increased risk.

Sample Car Insurance Rates in Tampa (per month):

Zip CodeAverage Rate (Before Discounts)

Top models known for their lower insurance costs:

Certain cars are cheaper to insure due to factors like safety ratings, repair costs, theft rates, and overall risk. Vehicles with advanced safety features, good crash-test ratings, and lower repair expenses tend to have lower insurance premiums. Additionally, cars less prone to theft or with moderate engine power often come with cheaper insurance rates.

Honda CR-V
Subaru Outback
Ford Escape
Jeep Wrangler
Toyota RAV4
Chevrolet Equinox

WORST CARS known for their higher insurance costs

Certain cars command higher insurance premiums due to factors like high repair costs, increased theft rates, powerful engines, and elevated accident risks. These vehicles often include luxury cars, high-performance models, and some electric vehicles, contributing to pricier insurance rates.

Mercedes-Benz S-Class
Audi R8
Tesla Model S
Dodge Charger Hellcat
Ford Mustang Shelby GT500

SR22 Insurance Process



We gather detailed information, ensuring you have all the facts before making a decision.



Receive your SR22 insurance quote, customized to your unique needs and credit profile



We work closely with the insurance carrier to ensure that the sr22 is filed with the state


Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

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Frequently Asked Questions about Tampa SR22 Insurance in FL

What is SR22 insurance and why do I need it in Tampa?

SR22 insurance is a form of financial responsibility certification required by the state for individuals with certain driving violations. In Tampa, you may need SR22 if you have been convicted of DUI, driving without insurance, or other serious offenses.

How much does SR22 insurance cost in Tampa?

The cost of SR22 insurance in Tampa can vary based on factors such as your driving record, age, vehicle, and coverage limits. On average, you can expect to pay between $500 to $1500 per year for SR22 coverage.

Can you help me find affordable SR22 insurance in Tampa?

Yes, we can assist you in finding affordable SR22 insurance in Tampa. Our experienced agents will work with you to compare rates from multiple insurance companies and find a policy that fits your needs and budget. Feel free to call us at 1.888.445.2793 for personalized assistance.
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Last Updated on by Veronica Moss

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