Cheapest SR-22 Car Insurance in Florida (August 2024)

An SR-22 and an FR-44 are not types of car insurance but certificates of financial responsibility you might need after a moving violation. You or your insurer files them to prove you have liability coverage. While these forms don’t raise your rates, the violations requiring an SR-22 or FR-44 can lead to higher premiums.

For Florida drivers seeking minimum coverage insurance, State Farm and Travelers offer the cheapest SR-22 insurance, with annual premiums averaging $787 and $1,074, respectively. GEICO and Travelers are the most affordable for non-owner SR-22 insurance in Florida, with annual minimum coverage rates of $638 and $1,037, respectively.

The cheapest companies for minimum coverage auto insurance with an SR-22 in Florida are:

• State Farm: $66 per month; $787 per year
• Travelers: $90 per month; $1,074 per year

The least expensive providers for full coverage car insurance with an SR-22 in Florida are:

• State Farm: $130 per month, $1,556 per year
• Progressive: $187 per month, $2,242 per year

After a moving violation, expect to pay more for car insurance because you’re considered high risk. Still, you can find cheap SR-22 car insurance by comparing quotes.

The companies with the cheapest non-owner SR-22 insurance in Florida are:

• GEICO: $53 per month; $638 per year
• Travelers: $86 per month; $1,037 per year

Non-owner car insurance fulfills the state minimum coverage requirements for individuals who don't own a vehicle but need to file an SR-22 due to reasons like license suspension or serious traffic violations. For non-owner drivers, finding the most affordable provider ensures compliance without overspending.

An SR-22 proves you have the state’s minimum car insurance after certain traffic offenses like DUI, driving without insurance or repeat traffic offenses. In Florida, you or your insurance company files it, and it’s required for three years. If your SR-22 lapses, your insurer will notify the state's Public Safety Department.

An SR-22 confirms you meet these minimum car insurance requirements in Florida:

• $10,000 for property damage liability per accident
• $10,000 personal injury protection per person

If you don't own a car, you'll still need SR-22 non-owner car insurance. Remember, an insurance policy card isn't a substitute for an SR-22.

Florida drivers may need to file an SR-22 through their insurance company after certain violations to prove they have the state’s minimum coverage. This form is crucial for keeping your driver's license. If you’ve been charged with driving under the influence (DUI), you’ll need to file an FR-44 instead, which requires higher coverage. Both forms are necessary for three years. Common reasons for needing an SR-22 include:

Filing an SR-22 in Florida often means higher car insurance rates and fewer options. You might even be denied coverage or have your policy canceled. Ensure your insurance stays active, as any gap could reset your SR-22 requirement, which usually lasts three years.

Understanding the consequences of not filing an SR-22 can help you avoid more legal and financial trouble. It’s about following rules and protecting yourself from bigger issues. Here’s how an SR-22 can negatively impact your car insurance:

In Florida, the average annual cost of SR-22 car insurance is $2,923 for full coverage and $1,341 for minimum coverage if you have a DUI. In contrast, drivers with a clean record pay $2,011 for full coverage and $968 for minimum coverage. This shows a significant increase for drivers with a DUI.

The SR-22 doesn’t raise your rates; rather, the DUI leads to higher premiums. If you have multiple offenses or a severe violation, your insurer might raise your rates at renewal or not renew your policy.

Filing an SR-22 in Florida is required for drivers with serious violations, like DUI or reckless driving. Not filing can lead to more penalties, including a license suspension. Here are the steps to file an SR-22 in Florida:

If your SR-22 in Florida lapses, your driving rights will be suspended again. You need minimum coverage insurance to reinstate your license. The cost for a new SR-22 certificate varies, so check with your insurer for the exact rates.

A DUI can increase your car insurance premiums. For a driver aged 30–59 with a clean record in Florida, the average annual premium for minimum coverage is $968. The cost of car insurance after a DUI rises to $1,341. Monthly, that's $81 versus $112.

If you need insurance with an SR-22, knowing the required minimum liability coverage can help you find the most affordable choices.

Finding affordable SR-22 car insurance in Florida can be challenging. Get answers to your questions about the most cost-effective options.