Cheapest SR-22 Car Insurance in Florida (October 2025)

State Farm offers the cheapest Florida SR-22 insurance, with average monthly rates of $156 and an annual premium of $1,866.

Find out if you're overpaying for car insurance below.

Written by Mark Fitzpatrick

Updated: October 23, 2025

Advertising & Editorial Disclosure

Cheap Florida SR-22 Insurance: Key Takeaways

Metropolitan Group offers the most affordable SR-22 rates for drivers with multiple speeding tickets in Florida at $1,326 annually for minimum coverage.

SR-22 insurance in Florida costs $307 monthly on average for minimum coverage and $614 for full coverage.

Florida requires drivers to carry SR-22 insurance with at least $10,000 in personal injury protection and $10,000 in property damage liability.

What is the Cheapest SR-22 Car Insurance Provider in Florida?

State Farm offers Florida's cheapest SR-22 insurance at $1,866 for minimum coverage and $3,703 for full coverage. Its minimum coverage rate is $1,814 below the state average of $3,680, or around 39% cheaper.

GEICO, the most expensive on our list, costs $1,981 for minimum coverage, just $115 more than State Farm. Florida shows relatively tight price clustering among major carriers, making comparison shopping essential for SR-22 filers.

The table below shows the top five companies with the lowest SR-22 insurance rates in Flo


State Farm	$156	$309	-39%
Travelers	$148	$318	-39%
Metropolitan Group	$178	$434	-20%
AIG	$148	$498	-16%
Geico	$165	$522	-10%

Cheapest SR-22 Car Insurance in Florida by Driving Violation

Travelers and State Farm most frequently rank as the lowest-cost SR-22 carriers across categories. The least expensive category is Drivers With Multiple Speeding Tickets, at $1,326 for minimum coverage SR-22 insurance with Metropolitan Group, while the most expensive is Most Drivers Needing a SR-22, at $1,866 with State Farm. The $540 spread shows how violation type affects Florida's SR-22 pricing.

Your individual premium depends on both the nature of your violation and the insurer's rating approach.


Drivers With Multiple Speeding Tickets	Metropolitan Group	$111	$277
Drivers With Other Violations	Travelers	$119	$257
Drivers With Racing Violation	Travelers	$120	$261
Senior Drivers With a Suspension	State Farm	$145	$288
Young Drivers With a Suspension	Travelers	$149	$330
Drivers With Hit-And-Run Accident	State Farm	$154	$306
Most Drivers Needing a SR-22	State Farm	$156	$309

Cheapest SR-22 Car Insurance in Florida by City

Oxford has Florida's lowest minimum coverage SR-22 at $962 (Travelers), while Hialeah averages $2,575 (Travelers). The $1,613 difference, about 168% higher, reflects significant urban cost variations across the state.

South Florida's metro areas, with higher accident rates and repair costs, typically see elevated SR-22 premiums compared to rural communities.


Boca Raton	State Farm	$168
Brooksville	Metropolitan Group	$123
Cape Coral	Travelers	$103
Clearwater	State Farm	$144
Clearwater Beach	State Farm	$144
Coral Springs	Travelers	$164
Fort Lauderdale	Travelers	$161
Fort Myers	Travelers	$104
Gainesville	State Farm	$90
Hialeah	Travelers	$215
Hollywood	State Farm	$170
Jacksonville	State Farm	$132
Lakeland	State Farm	$109
Lehigh Acres	Travelers	$107
Miami	State Farm	$211
Miami Gardens	State Farm	$210
Naples	State Farm	$99
Ocala	State Farm	$95
Ocoee	State Farm	$122
Okeechobee	State Farm	$97
Orlando	State Farm	$122
Oxford	Travelers	$80
Palm Bay	Travelers	$115
Pembroke Pines	State Farm	$158
Pensacola	State Farm	$106
Pompano Beach	State Farm	$179
Port Saint Lucie	State Farm	$134
Saint Petersburg	Travelers	$147
Spring Hill	Metropolitan Group	$123
Tallahassee	State Farm	$93
Tampa	Travelers	$172
Valrico	State Farm	$151
West Palm Beach	Travelers	$169

Cheapest Non-Owner SR-22 Insurance in Florida

With average rates of $5 per month or $62 per year, AIG offers the cheapest non-owner SR-22 insurance in Florida. Drivers with an SR-22 filing who don’t own a vehicle can purchase non-owner car insurance to meet state-minimum coverage requirements.

If you need non-owner SR-22 insurance in Florida, these companies offer some of the lowest average rates for minimum coverage.


AIG	$5	$62	-97%	$-1,992
Geico	$31	$369	-82%	$-1,685
Nationwide	$55	$666	-68%	$-1,388
Travelers	$61	$733	-64%	$-1,320
State Farm	$85	$1,022	-50%	$-1,032
Progressive	$170	$2,043	-1%	$-11

How Much Is SR-22 Insurance in Florida?

The average cost of car insurance in Florida for someone with an SR-22 is $3,680 per year for minimum coverage, over 205% more expensive than the state average annual rate of $1,207 for drivers with clean records.

The average cost of full coverage SR-22 car insurance in Florida is $6,510, 125% higher than the state average rate of $2,912 for clean-record drivers.

SR-22 FILING FEE IN FLORIDA

Florida insurers usually charge a one-time filing fee for an SR-22. Fees vary, but expect to pay around $15 to $25. This fee is separate from your insurance premium.

Florida SR-22 Car Insurance Laws

Although an SR-22 (also called an SR-22 bond or certificate of financial responsibility) is often confused with an insurance policy, the form is a certification filed by your insurer that confirms to state officials that you hold enough liability insurance to comply with the reinstatement requirements of Florida Financial Responsibility law.

Florida SR-22 Requirements

Mandatory for three years after severe driving violations, an SR-22 form certifies to Florida officials you meet the state's minimum liability coverage requirements. To comply with SR-22 laws in Florida (or FR-44 laws for a DUI), you'll need to meet the following coverage criteria:

SR-22 vs FR-44

SR-22

$10,000 bodily injury liability per person
$20,000 bodily injury liability per accident
$10,000 property damage liability per accident

FR-44

Florida is one of the few states that use alternative forms besides the SR-22. The FR-44 is required for drivers convicted of serious offenses such as DUIs. This form shows that you carry higher liability limits than a standard insurance policy, while the SR-22 only proves you meet the state’s minimum coverage requirements.

Here are the FR-44 insurance requirements in Florida:

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident

Why Do I Need SR-22 Insurance in Florida?

In Florida, an SR-22 is required by state law for drivers who have committed serious driving offenses. This form is necessary to maintain your driver’s license. Drivers who have committed the following violations are most likely to be mandated by court order to file an SR-22:

Serious Traffic Offenses

Serious traffic offenses — such as reckless driving or multiple at-fault accidents — may require SR-22 insurance. For DUI convictions, an FR-44 filing and higher liability limits are required.

Repeat Offenses

Drivers with multiple speeding tickets or other driving-related offenses in the previous six months may need SR-22 insurance in Florida.

Driving Without Insurance

You may have to file an SR-22 if you get caught driving without insurance in Florida, especially if it's happened multiple times or you caused an accident without insurance.

Driving with a Revoked License

If you've been caught driving with a suspended or revoked license, you may need SR-22 insurance.

Failure to Pay Child Support

In Florida, you may need to file an SR-22 if you've had a driver's license suspension following a failure to pay child support.

Florida SR-22 Rules

Along with staying in compliance with Florida's minimum coverage laws for three to five years, there are other rules that drivers with an SR-22 in Florida should be aware of:

Fees: To regain driving privileges, you must provide proof of full liability insurance on SR-22 and pay a reinstatement fee.
Insurers can drop you: Upon filing an SR-22, Florida insurers may cancel your policy or not renew it, requiring you to seek a new provider.
Compliance: Continuous coverage is required during the SR-22 period. Insurers must notify the state of policy lapses, leading to possible penalties or license suspensions.
Relocation: If you move out of state during the period, you must contact the insurer for an out-of-state filing.
FR-44: You’ll need FR-44 insurance and must pay higher coverage limits if you’re convicted of a DUI.
Cancellation: After your three-year term, your insurer should file a financial responsibility cancellation, notifying the FLHSMV that you’ve satisfied the SR-22 requirement.

How to Get SR-22 Car Insurance in Florida

Filing an SR-22 in Florida is required for drivers with serious violations, like driving without a license or reckless driving. Not filing can lead to more penalties, including a license suspension. Here are the steps to file an SR-22:

1
Contact Your Insurer
Ask your insurance company to file the SR-22. It knows your policy and can add the form to your coverage.
2
Confirm Minimum Coverage Requirements
If you need insurance with an SR-22, ensuring your policy meets Florida's minimum liability coverage requirements of 10/20/10 is required to satisfy the SR-22 conditions. Your insurer can help adjust your policy if needed.
3
Pay the SR-22 Filing Fee
Most insurers in Florida charge a one-time SR-22 filing fee, usually between $15 and $25.
4
Verify Filing With Your Insurer
After you pay the fee, your insurer will file the SR-22 form on your behalf. Confirm with your insurer that all fees have been paid and that the form has been filed correctly and on time.
5
Maintain Your Policy and Check for Notifications
To prevent legal issues and other penalties, keep your insurance active and contact your insurer to ensure your SR-22 is valid for three years.

WHAT TO DO IF NO ONE WILL INSURE YOU

High-risk drivers with violations on their record may consider nonstandard auto insurance. It usually costs more than standard policies but offers coverage for those who might struggle to find insurance.

SR-22 Insurance Quotes in Florida

To avoid penalties and be able to reinstate your license, it is important to maintain minimum coverage for the entire SR-22 period. If you don't already have coverage, you'll need an SR-22 insurance quote. After filing an SR-22, you might be denied coverage or have your policy canceled. For this reason, getting an SR-22 car insurance quote in Florida can be more difficult than it is for drivers with a clean record.

Tips to Get Cheap SR-22 Insurance in Florida

Florida's high-risk drivers may find fewer insurance providers willing to offer coverage, potentially leading to higher premiums and limited choices. When getting an SR-22 insurance quote, make sure to check with your insurer for the exact fee amount if you are filing for the first time. Beyond that, to get the cheapest SR-22 insurance quotes in Florida, we recommend the following:

Tip	Description
Complete DUI classes or programs	Enrolling in state-approved DUI programs demonstrates a commitment to safer driving, which some insurers might reward with reduced premiums.
Look for discounts	Even after a DUI, discounts might be available. Check with your insurer about bundling policies or discount options for completing driving courses, installing safety features in your vehicle or paying in full and through electronic billing.
Compare quotes	Because some insurers don't offer SR-22 insurance, premiums can be higher due to limited coverage options (in addition to increased risk). To find more affordable options, compare auto insurance quotes from multiple providers.
Check for high-risk programs	Some insurance providers have specific programs tailored for high-risk drivers, which can help you find better rates.
Adjust your coverage	Adjust your coverage to match your needs and budget. Choosing a higher deductible (which only applies to full coverage policies) or reducing sub-optional coverages can lower your monthly premiums.
Consider non-owner SR-22 insurance	If you don’t own a vehicle, non-owner SR-22 insurance may be a more affordable way to meet state requirements.

Cheap SR-22 Insurance in Florida: Bottom Line

Floridians who have committed severe driving-related offenses must file an SR-22 to verify they have minimum coverage. Drivers must carry this form for more serious or repeat offenses for three to five years, depending on the violation. Despite being charged higher rates, there are several cheap car insurance providers in Florida for those with SR-22s.

SR-22 in Florida: FAQ

Here are some common questions Florida drivers have about SR-22 insurance.

What are the cheapest SR-22 car insurance options in Florida?

Florida’s cheapest SR-22 car insurance options include State Farm, with an average monthly premium of $232 and Travelers at $233 per month.

How much does filing an SR-22 increase car insurance rates in Florida, on average?

Filing an SR-22 increases car insurance rates in Florida by $25 per month. The monthly average cost for drivers is $115 for SR-22 insurance, compared to $81 for those with a clean record.

How long do you need to have an SR-22 in Florida?

In Florida, you must maintain an SR-22 for three years. Failure to maintain coverage for the required time will restart the clock on your SR-22 requirement and can result in reinstatement fees and/or additional enforcement actions, including suspending your driver's license.

What Is SR-22 Insurance in Florida?

Although often called SR-22 insurance, the SR-22 is simply a form that proves you have an active auto insurance policy that meets Florida’s minimum coverage requirements.

State law requires drivers with serious violations, such as reckless driving or driving without insurance, to file this form to reinstate their license.

Once the SR-22 is filed, insurers generally view you as a higher-risk driver, which often results in higher premiums.

Best Cheap Florida SR-22 Car Insurance: Review Methodology

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for drivers of various profiles and needs in Florida.

Florida Driver Profile

We collected data for a sample driver with the following attributes:

40-year-old male
Driving record with a DUI or an at-fault accident causing $1,000–1,999 in property damage
2012 Toyota Camry LE
12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage insurance policies to help motorists find the cheapest SR-22 insurance for their desired coverage level. For the most affordable minimum coverage policy, quotes were based on Florida’s minimum coverage car insurance requirements with the following liability limits:

$10,000 for property damage liability per accident
$20,000 for personal injury protection (PIP) per accident
$10,000 personal injury protection (PIP) per person

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — we used the following limits with a $1,000 deductible:

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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