Cheapest SR-22 Car Insurance in Florida (2024)

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Updated: May 20, 2024

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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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Why Trust MoneyGeek? Our team obtained data from the Florida Department of Insurance and Quadrant Information Services to determine the most affordable SR-22 and FR-44 insurance companies for various driver profiles.

127,836Quotes Analyzed
9Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
State FarmAnnual Premium$576Monthly Premium$48
GEICOAnnual Premium$929Monthly Premium$77
FarmersAnnual Premium$945Monthly Premium$79
TravelersAnnual Premium$1,064Monthly Premium$89
AllstateAnnual Premium$1,151Monthly Premium$96
MercuryAnnual Premium$1,177Monthly Premium$98
Direct General InsuranceAnnual Premium$1,261Monthly Premium$105
ProgressiveAnnual Premium$1,312Monthly Premium$109
NationwideAnnual Premium$1,512Monthly Premium$126
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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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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.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
GEICOAnnual Premium$638Monthly Premium$53
TravelersAnnual Premium$1,037Monthly Premium$86
State FarmAnnual Premium$1,038Monthly Premium$87
AlliedAnnual Premium$1,047Monthly Premium$87
NationwideAnnual Premium$1,047Monthly Premium$87
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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
DUIAnnual Premium$1,103Monthly Premium$92
CleanAnnual Premium$804Monthly Premium$67
TicketAnnual Premium$984Monthly Premium$82
At-Fault AccidentAnnual Premium$1,204Monthly Premium$100
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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

Clean Driving Record

Annual Premium for Minimum Coverage

After a DUI

Annual Premium for Minimum Coverage

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.

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.

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
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.

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.

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.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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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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.

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    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.

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    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.

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    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.

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    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.

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    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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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.

What are the cheapest SR-22 car insurance options in Florida?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Florida?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.