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State Farm offers Florida’s most affordable SR-22 insurance at an average annual rate of $576 for minimum coverage. The second cheapest provider for a similar yearly policy is GEICO, at $929 on average. GEICO also offers the most affordable non-owners SR-22 car insurance at $638 annually. Travelers is the runner-up provider for non-owner policies in the state, at $1,037 yearly.

Following a severe driving offense like a DUI, you must file an SR-22 form in Florida to demonstrate your increased financial liability for any driving incidents. Even though the SR-22 form alone does not impact prices, most violations requiring this certificate will significantly increase your rates. Whether you drive a car or not, you can still find affordable SR-22 insurance policies in Florida.

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2023

Cheapest Companies for SR-22 Car Insurance in Florida

Cheapest Companies for SR-22 and FR-44 Car Insurance in Florida

Minimum coverage SR-22 car insurance policies for drivers with a DUI are most affordable from the following providers in Florida:

If you’re seeking comprehensive coverage, the following insurance companies provide the cheapest SR-22 policies:

  • State Farm: $1,190 per year
  • Farmers: $1,973 per year

Auto insurance costs typically increase after a driving offense because companies believe you are more likely to file claims, making you riskier to insure. The table below features some of the most affordable SR-22 car insurance coverage policies in Florida, ranging from $576 to $1,512 yearly.

Company
Annual Premium
Monthly Premium

GEICO

$446

$37

State Farm

$473

$39

GEICO

$485

$40

State Farm

$507

$42

State Farm

$536

$45

State Farm

$536

$45

State Farm

$576

$48

State Farm

$576

$48

State Farm

$581

$48

State Farm

$584

$49

Travelers

$614

$51

State Farm

$627

$52

GEICO

$634

$53

Travelers

$637

$53

Nationwide

$645

$54

State Farm

$660

$55

State Farm

$660

$55

GEICO

$677

$56

Nationwide

$679

$57

Mercury

$681

$57

Travelers

$693

$58

State Farm

$720

$60

GEICO

$729

$61

Mercury

$732

$61

Nationwide

$768

$64

Nationwide

$780

$65

GEICO

$787

$66

Nationwide

$802

$67

GEICO

$830

$69

GEICO

$859

$72

Travelers

$869

$72

Travelers

$876

$73

Allstate

$881

$73

Farmers

$883

$74

Travelers

$893

$74

GEICO

$895

$75

Nationwide

$902

$75

Allstate

$906

$76

Allstate

$906

$76

Mercury

$920

$77

Travelers

$921

$77

Allstate

$924

$77

Travelers

$928

$77

GEICO

$929

$77

Allstate

$931

$78

Allstate

$931

$78

Farmers

$931

$78

GEICO

$933

$78

Nationwide

$944

$79

Farmers

$945

$79

Travelers

$949

$79

State Farm

$970

$81

Mercury

$975

$81

Nationwide

$981

$82

Farmers

$1,008

$84

Farmers

$1,041

$87

State Farm

$1,058

$88

Travelers

$1,064

$89

Travelers

$1,071

$89

Farmers

$1,084

$90

Travelers

$1,089

$91

State Farm

$1,092

$91

State Farm

$1,092

$91

Nationwide

$1,093

$91

Farmers

$1,105

$92

Mercury

$1,107

$92

GEICO

$1,128

$94

Allstate

$1,145

$95

Allstate

$1,151

$96

Progressive

$1,153

$96

Farmers

$1,162

$97

Allstate

$1,165

$97

GEICO

$1,169

$97

Progressive

$1,170

$97

Mercury

$1,177

$98

State Farm

$1,184

$99

Mercury

$1,188

$99

State Farm

$1,190

$99

State Farm

$1,190

$99

Direct General Insurance

$1,199

$100

Direct General Insurance

$1,199

$100

GEICO

$1,217

$101

Farmers

$1,243

$104

Direct General Insurance

$1,250

$104

Direct General Insurance

$1,250

$104

State Farm

$1,259

$105

Direct General Insurance

$1,261

$105

Farmers

$1,276

$106

Direct General Insurance

$1,281

$107

State Farm

$1,290

$107

Progressive

$1,307

$109

Travelers

$1,311

$109

Progressive

$1,312

$109

Progressive

$1,314

$109

Nationwide

$1,317

$110

Mercury

$1,361

$113

Travelers

$1,378

$115

Mercury

$1,395

$116

Nationwide

$1,410

$118

Mercury

$1,417

$118

State Farm

$1,420

$118

State Farm

$1,420

$118

Farmers

$1,426

$119

Farmers

$1,435

$120

Progressive

$1,467

$122

Nationwide

$1,468

$122

Progressive

$1,484

$124

Direct General Insurance

$1,496

$125

Direct General Insurance

$1,496

$125

Direct General Insurance

$1,510

$126

Progressive

$1,511

$126

Nationwide

$1,512

$126

Allstate

$1,517

$126

Allstate

$1,525

$127

State Farm

$1,540

$128

Mercury

$1,540

$128

Allstate

$1,541

$128

Nationwide

$1,575

$131

Travelers

$1,575

$131

Mercury

$1,592

$133

Mercury

$1,627

$136

Progressive

$1,636

$136

Mercury

$1,640

$137

Nationwide

$1,644

$137

Nationwide

$1,664

$139

Nationwide

$1,668

$139

Progressive

$1,700

$142

GEICO

$1,710

$142

Direct General Insurance

$1,718

$143

Direct General Insurance

$1,719

$143

Progressive

$1,732

$144

GEICO

$1,789

$149

Farmers

$1,802

$150

Progressive

$1,870

$156

GEICO

$1,901

$158

Travelers

$1,914

$159

Nationwide

$1,922

$160

Allstate

$1,925

$160

Progressive

$1,931

$161

Nationwide

$1,944

$162

Travelers

$1,945

$162

Farmers

$1,963

$164

Farmers

$1,973

$164

Progressive

$1,974

$164

Travelers

$2,001

$167

Allstate

$2,005

$167

Allstate

$2,005

$167

Travelers

$2,016

$168

Allstate

$2,026

$169

Travelers

$2,038

$170

Nationwide

$2,045

$170

Direct General Insurance

$2,080

$173

Travelers

$2,107

$176

Allstate

$2,112

$176

Allstate

$2,112

$176

GEICO

$2,155

$180

Farmers

$2,172

$181

GEICO

$2,233

$186

Mercury

$2,243

$187

Direct General Insurance

$2,247

$187

Direct General Insurance

$2,247

$187

Farmers

$2,249

$187

Progressive

$2,254

$188

Farmers

$2,254

$188

Progressive

$2,267

$189

Direct General Insurance

$2,289

$191

Direct General Insurance

$2,289

$191

GEICO

$2,291

$191

Mercury

$2,300

$192

Travelers

$2,314

$193

Progressive

$2,321

$193

Nationwide

$2,326

$194

Direct General Insurance

$2,357

$196

Travelers

$2,359

$197

GEICO

$2,374

$198

Direct General Insurance

$2,375

$198

Farmers

$2,425

$202

Travelers

$2,431

$203

GEICO

$2,442

$204

Farmers

$2,498

$208

Mercury

$2,570

$214

Progressive

$2,650

$221

GEICO

$2,683

$224

Farmers

$2,706

$226

Allstate

$2,718

$227

Allstate

$2,719

$227

Progressive

$2,734

$228

Progressive

$2,749

$229

Mercury

$2,752

$229

Farmers

$2,779

$232

Allstate

$2,838

$237

Mercury

$2,909

$242

Direct General Insurance

$2,922

$244

Direct General Insurance

$2,922

$244

Direct General Insurance

$3,018

$252

Nationwide

$3,044

$254

Direct General Insurance

$3,108

$259

Progressive

$3,119

$260

Progressive

$3,155

$263

Nationwide

$3,160

$263

Direct General Insurance

$3,186

$265

Farmers

$3,193

$266

Farmers

$3,231

$269

Progressive

$3,231

$269

Mercury

$3,259

$272

GEICO

$3,288

$274

Mercury

$3,291

$274

Mercury

$3,378

$281

Nationwide

$3,488

$291

Allstate

$3,578

$298

Progressive

$3,579

$298

Allstate

$3,592

$299

Allstate

$3,713

$309

Mercury

$3,897

$325

Direct General Insurance

$4,018

$335

Mercury

$4,059

$338

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What Are SR-22 and FR-44 in Florida?

An SR-22 is a legally mandated document that verifies your auto insurance coverage. It proves you have the minimum required liability insurance following a severe traffic offense. Florida requires an FR-44 form specifically for drivers convicted of a DUI, demonstrating a driver’s purchase of additional insurance coverage.

Florida requires an SR-22 for drivers who have committed serious offenses. Examples of these include:

  • Reckless driving
  • Driving with a suspended or invalid license
  • Driving without insurance

Depending on the details of your violation, Florida has different mandates for how long you must keep your SR-22 or FR-44 on file. Usually, this requirement is in place for three years following the relevant incident.

Your insurance provider will complete the necessary paperwork for you if you’re required to obtain an SR-22 or FR-44. Your insurer files these forms with the Florida Department of Highway Safety and Motor Vehicles. Following this filing, insurance providers will likely view you as a high-risk driver due to your driving record. To balance this additional risk, companies may raise the premiums you pay.

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MONEYGEEK EXPERT TIP

Your insurance provider must submit a Financial Responsibility Cancellation Form when you have fulfilled the requirements of your financial responsibility after a severe traffic violation. This form is an SR-26, which is an official notification to the state that the SR-22 filing period has ended. Alternatively, your provider will file an FR-46 to demonstrate that an FR-44 filing period is complete. Submitting these cancellation forms lets the state know you no longer need to keep your SR-22 or FR-44 current.

Cheapest Companies for Non-Owner SR-22 and FR-44 Car Insurance in Florida

The following insurance providers in Florida offer non-owners the most affordable SR-22 car insurance policies on average:

Drivers who don’t own a car may be required to file an SR-22 if the state has suspended their license or if the driver has recently committed a serious driving violation. Non-owner car insurance coverage can make it easier for you to reinstate your license.

MoneyGeek compared quotes for several non-owner car insurance policies and found the cheapest providers in Florida, with average yearly rates ranging from $638 to $2,177.

Company
Annual Premium
Monthly Premium

GEICO

$493

$41

GEICO

$638

$53

Travelers

$765

$64

Allied

$815

$68

Nationwide

$815

$68

State Farm

$903

$75

Travelers

$1,037

$86

State Farm

$1,038

$87

Allied

$1,047

$87

Nationwide

$1,047

$87

Progressive

$1,526

$127

Progressive

$2,177

$181

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance covers damage to property and physical harm to third parties but not injury to yourself or passengers in your car. Ridesharing drivers, renters and driving professionals are a few people who may require this type of insurance, in addition to drivers who have a recent severe offense on their record requiring an SR-22 or FR-44.

MoneyGeek analyzed Florida's cheapest non-owner car insurance policies to help you get the most affordable deals.

Average Cost of SR-22 and FR-44 Car Insurance in Florida

For a driver with a DUI in Florida, the average yearly cost of FR-44 insurance is $1,103 for minimum coverage and $2,353 for full coverage. For other violations, such as speeding or at-fault accidents, an SR-22 certificate may be necessary. These forms also result in increased premiums.

Traffic violations on your record tell your insurance company that you might be a risky driver to insure. Your rates are adjusted based on your insurer’s analysis of your likelihood to file future claims.

Driving Record
Annual Premium
Monthly Premium

Clean

$783

$65

DUI

$1,103

$92

Clean

$2,006

$167

At-Fault Accident

$2,673

$223

Ticket

$2,423

$202

Ticket

$1,096

$91

Ticket

$990

$83

At-Fault Accident

$1,342

$112

Clean

$931

$78

Clean

$1,601

$133

Clean

$804

$67

Ticket

$2,083

$174

Ticket

$984

$82

DUI

$2,396

$200

At-Fault Accident

$1,243

$104

At-Fault Accident

$1,204

$100

At-Fault Accident

$2,970

$247

DUI

$2,353

$196

Ticket

$2,101

$175

At-Fault Accident

$2,572

$214

Clean

$1,628

$136

DUI

$2,771

$231

DUI

$1,243

$104

DUI

$1,124

$94

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MONEYGEEK EXPERT TIP

If you are a driver in Florida who must obtain SR-22 insurance, we encourage you to compare insurance rates yearly or whenever you renew your policy. Browsing quotes could assist you in getting the best bargain on your SR-22 or FR-44 policy since insurance costs can vary significantly between insurance providers and change over time.

How SR-22 and FR-44 Affect Car Insurance Rates in Florida

The cost of car insurance can be considerably impacted by filing an FR-44 or SR-22, typically resulting in increased rates. Drivers in Florida who submit an FR-44 should anticipate about a $300 average increase in their annual rates. It’s crucial to compare rates from different providers and check into available discounts to find the most reasonably priced SR-22 or FR-44 insurance.

Various factors, such as state regulations, the severity of the offense and a person's driving history, will affect SR-22 and FR-44 requirements in Florida.

Car Insurance Rate Comparison Based on Driving Records in Florida

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$803
accident2
After a DUI

Annual Premium for Minimum Coverage

$1,103
Car insurance premiums after a DUI are on average: :$300 more

This is 37% more expensive.

Other Effects of SR-22 and FR-44 on Car Insurance in Florida

In addition to more expensive rates, filing an SR-22 or FR-44 can have many implications for your auto insurance in Florida. The following is a list of consequences you may experience after submitting an SR-22 or FR-44.

1

Limited number of insurance options

You may have limited companies to select from for insurance providers since some insurers will not file SR-22 or FR-44 forms. Some insurers may refuse to provide you with coverage if the state requires you to submit an SR-22 or FR-44.

2

Increased liability coverage limits

If you submit an FR-44 in Florida, the state requires you to have higher liability coverage limits. The state's minimum standards for liability coverage for FR-44 filings are as follows:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident
3

Possible policy cancellation

Your insurer may cancel your policy if you file SR-22 or FR-44 forms, as providers may see you as too risky to insure. It's crucial to meet your financial requirements and maintain compliance to avoid policy cancellation. To prevent subsequent violations, you must promptly pay policy costs, adhere to the necessary liability coverage limits and drive carefully.

4

Length of required filing

Florida requires SR-22 and FR-44 forms to be on file for three years after the related driving incident. This period may change depending on your driving history and the severity of your offense.

5

Filing fees

An SR-22 or FR-44 form filing in Florida could incur additional filing charges. These costs typically vary between $15 and $50. We recommend speaking with your insurer or the Florida Department of Highway Safety and Motor Vehicles for updated instructions on the filing costs for an SR-22 or FR-44.

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How to Get SR-22 Insurance in Florida

If you have a driving violation on your record in Florida, you can follow the following steps to obtain car insurance:

  • Locate an insurer that provides coverage to drivers with driving offenses.
  • Get an insurance plan that satisfies Florida's minimum liability requirements.
  • Ask your provider to submit an SR-22 or FR-44 form to the Florida Department of Highway Safety and Motor Vehicles (DHSMV).
  • Pay any costs required for submitting the SR-22 or FR-44 form.
  • Keep your paperwork current and remain insured during the necessary time frame.

With SR-22 insurance, you can demonstrate your financial responsibility for your driving behavior.

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FLORIDA LICENSE REINSTATEMENT FEE

License reinstatement fees after filing an SR-22 or FR-44 vary between states. These costs typically range from $75 to $150. We recommend contacting your local Florida DHSMV office or visiting its website for the most current information about reinstatement fees.

How to Get Cheaper Car Insurance in Florida After a DUI

Insurance premiums will usually increase after you get a DUI. Insurance companies typically regard a history of DUIs as a significant risk factor for future claims, which leads to increased rates. However, you can take the following actions to reduce your SR-22 auto insurance premiums.

  • find icon

    Compare quotes immediately

    We recommend comparing insurance quotes from various providers. Insurance companies may offer different rates and requirements for drivers with a DUI. You can find the most affordable car insurance policy in Florida after a DUI by seeking estimates from multiple insurers.

  • car icon

    Complete DUI classes or programs

    Some insurers offer discounts to drivers who voluntarily enroll in DUI or defensive driving courses. These classes can improve your driving skills and demonstrate your commitment to driving safely, which may result in cheaper insurance premiums. The Florida Department of Highway Safety and Motor Vehicles provides a list of certified programs.

  • coins2 icon

    Look for discounts

    Many car insurance providers offer deals to clients who meet specific criteria, such as multiple-car discounts or good student discounts. Contact your insurer to learn what you may be eligible for.

  • seatbelt icon

    Practice safe driving

    If you continuously drive safely by following traffic laws and avoiding collisions, you may eventually see a decrease in your insurance rates. Over time, the impact of a DUI conviction on your premiums may gradually decrease.

  • calendar icon

    Shop rates over time

    Even if you've found an affordable car insurance policy, it's a good idea to regularly shop around to see if you can obtain a better deal. If your driving record improves and you demonstrate your commitment to safe driving habits, you may be eligible for lower rates from different insurance providers.

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MONEYGEEK EXPERT TIP

Drivers who may have trouble obtaining insurance coverage from most companies because of their driving record are the target market for non-standard car insurance. These policies cover motorists with severe driving offenses, though this type of insurance frequently comes at higher rates.

Frequently Asked Questions About SR-22 and FR-44 Insurance in Florida

Understanding SR-22 and FR-44 insurance after a traffic violation in Florida is essential. MoneyGeek answered your frequently asked questions to help you with the process.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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