Cheapest SR-22 Car Insurance in Florida (2023)

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.

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

• State Farm: $576 per year
• GEICO: $929 per year

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.

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.

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

• GEICO: $638 per year
• Travelers: $1,037 per year

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.

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.

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.

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.

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.

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.

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.