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Cheap SR22 Insurance Florida: Rates & Costs Compared

We’ve Uncovered the Cheapest SR-22 Insurance Companies & Rates in Florida

[and you can get the best price through our price comparison tool above! Buy today.]

SR22 isn’t technically insurance; it’s a certificate of responsibility. This certificate of Financial Responsibility is vital for those who have been deemed risky drivers. In fact, if they don’t carry it, they will be reported to the state (Department of Highway Safety and Motor Vehicles, or HSMV) and lose their right to drive. These high-risk drivers are required to carry SR22 to prove they have the minimum requirement of Florida insurance.

Generally, the Motor Vehicle Department of the State sends out a notification if an SR22 insurance Florida is required. So, if you have not been the recipient of any such information, then it is safe to assume that you do not need to get SR22 insurance.

Cheapest Average SR-22 Insurance Companies in Florida

Overall SR22 Average Rate by Company

Company Average Price
USAA $775
State Farm $1,184
Allstate $1,271
GEICO $1,407
Progressive $1,994
Travelers $2,204
Allied $2,265
Mercury $2,405
MetLife $2,608

SR22 Insurance Companies with Lowest Cost: Liability Only

The General $94
AssuranceAmerica $96
National General $100
Progressive Insurance $101
Mendota Ins. Company $106
USAA $108
Bristol West $110
Dairyland $117
Geico $121
Travelers $130
American Family $133
Liberty Mutual $135
Nationwide $135
Safeco $142

SR22 Insurance Companies with Lowest Cost: Full Coverage

Company SR22 Full Coverage (average)
American Family N/A
Mendota Ins. Company $175.00
Dairyland $186.00
21st Century N/A
Bristol West $211.00
Acceptance RTR $173.00
GAINSCO $207.00
State Farm N/A
Safeco N/A
National General $188.00
Travelers N/A
State Auto N/A
Geico $191.00
The General $209.00

Cheapest FL SR-22 Insurance Companies, by City

City Price
The Hammocks Liberty Mutual
Clearwater Dairyland*
Miami Progressive
Daytona Beach Geico
Kendall The General
Tampa Progressive
Deerfield Beach The General
Fort Myers The General
Boynton Beach Progressive
Town ‘n’ Country Progressive
Coral Springs Geico
Delray Beach Progressive
Homestead Progressive
Cape Coral Bristol West
Hollywood Geico
Deltona Liberty Mutual
Apopka Bristol West
Riverview Geico
Palm Harbor Geico
Margate Geico
Largo Progressive
Palm Coast Farmers
Lauderhill The General
Alafaya National General
Davie Progressive
Fort Lauderdale Progressive
Doral The General
Tamiami Progressive
Tallahassee Progressive
Sarasota The General
Port St. Lucie Dairyland*
Plantation Liberty Mutual
The Villages The General
Fountainebleau Farmers
Lehigh Acres The General
Miami Gardens Farmers
Tamarac The General
North Port Progressive
Wesley Chapel The General
Coconut Creek Geico
Pine Hills The General
Lakeland The General
North Miami Progressive
Kissimmee The General
Bradenton Geico
Boca Raton Geico
Pensacola Progressive
Port Orange The General
Weston Bristol West
Jacksonville Progressive
Sanford Progressive
St. Petersburg Progressive
Orlando Progressive
Spring Hill Dairyland*
Pompano Beach Geico
Miramar Geico
Pinellas Park Geico
Melbourne Geico
Palm Bay Geico
Hialeah The General
Poinciana Geico
Jupiter Progressive
St. Cloud Progressive
Palm Beach Gardens Liberty Mutual
Brandon Geico
Miami Beach Liberty Mutual
Pembroke Pines Progressive
Bonita Springs National General
West Palm Beach The General
Sunrise Progressive

Lowest SR22 Insurance Costs by City: Liability Only

City Average Price
Tallahassee $90.00
Miramar $91.00
Coconut Creek $95.00
Miami Beach $107.00
Tamiami $95.00
Tampa $87.00
Daytona Beach $106.00
Jupiter $89.00
Town ‘n’ Country $94.00
Sunrise $106.00
Fort Lauderdale $94.00
Fort Myers $100.00
Palm Harbor $94.00
Deerfield Beach $103.00
Kendall $96.00
Brandon $94.00
Port St. Lucie $95.00
Homestead $91.00
Delray Beach $91.00
Tamarac $93.00
Melbourne $87.00
Boynton Beach $96.00
Kissimmee $109.00
North Miami $105.00
Clearwater $99.00
Hialeah $105.00
Plantation $90.00
Wellington $93.00
Spring Hill $99.00
Ocala $105.00
Deltona $94.00
The Hammocks $105.00
Orlando $106.00
Weston $88.00
Gainesville $97.00
Port Charlotte $92.00
Miami $96.00
Fountainebleau $88.00
Margate $90.00
Lehigh Acres $97.00
Palm Bay $105.00
West Palm Beach $90.00
St. Petersburg $92.00
Pembroke Pines $104.00
Poinciana $86.00
Port Orange $102.00
Sanford $87.00
Doral $100.00
Pinellas Park $108.00
Bonita Springs $97.00
Kendale Lakes $107.00
Davie $104.00
Lakeland $105.00
The Villages $93.00
Pompano Beach $86.00
North Port $107.00
Alafaya $102.00
Pensacola $95.00
Riverview $103.00
Lauderhill $110.00
Jacksonville $88.00
Palm Coast $86.00
Pine Hills $103.00
St. Cloud $89.00

Lowest SR22 Insurance Costs by City: Full Coverage

City Price
Port Charlotte $166
Kissimmee $174
Boynton Beach $152
Sarasota $162
Port Orange $154
Miami Gardens $167
Town ‘n’ Country $155
North Port $147
Sanford $163
Melbourne $155
Alafaya $172
Plantation $157
West Palm Beach $181
Delray Beach $146
Tampa $158
Weston $159
Wellington $159
Palm Coast $153
Fountainebleau $171
Orlando $158
Tallahassee $167
Jupiter $166
Fort Myers $163
Apopka $181
Miami Beach $160
Kendale Lakes $163
Kendall $173
Poinciana $176
Boca Raton $149
Pine Hills $163
Coconut Creek $168
Gainesville $176
Lehigh Acres $182
Ocala $181
Lauderhill $154
Deerfield Beach $179
Homestead $158
Hollywood $182
St. Cloud $151
St. Petersburg $153
Pembroke Pines $162
Palm Harbor $172
Largo $156
North Miami $161
Sunrise $173
Tamarac $157
Bonita Springs $161
Hialeah $156
Bradenton $162
Wesley Chapel $153
Margate $168
The Hammocks $163
Riverview $172
Palm Beach Gardens $166
Port St. Lucie $157
Fort Lauderdale $172
Clearwater $179
Miami $168
Pompano Beach $146
Daytona Beach $146

How Much More Expensive is CA SR22 Insurance vs. Regular Insurance?

Company Avg. cost per year Avg. cost per year with SR-22 and DUI % change
State Farm $1,063 $1,256 18.16%
Geico $984 $2,385 142.38%
Progressive $3,119 $4,070 30.49%
Allstate $4,165 $5,059 21.46%

Which Companies Offer SR22 Insurance in Florida?

Company Is SR22 Offered?
21st Century no
Safeco no
Liberty Mutual yes
National General yes
Nationwide no
Dairyland yes
American Family no
The General yes
State Farm unsure
Progressive Insurance yes
Geico yes
Bristol West yes
Farmers yes
Acceptance RTR yes
Travelers no
Mendota Ins. Company yes
Allstate unsure

Non-Owner SR-22 Insurance Rates by Company in FL

Company Average Price
GEICO $522
USAA $564
State Farm $1,030
Progressive $1,724
MetLife $4,401

What Offenses Require Florida SR22 Insurance?

Not all traffic violations result in the need for SR22 auto insurance, but any offense that results in the suspension of driving privileges will almost always require such a filing. Some of the offenses include:

  • Driving Under Influence (DUI)
  • Reckless driving
  • Causing an accident while uninsured
  • Failing to satisfy a court judgment that resulted from an accident
  • Failure to provide proof of insurance when stopped for a traffic violation

If you are convicted of driving under the influence, you will be required to obtain the much more stringent SR44 insurance.

Maintaining your SR22 policy for the years required by the state of Florida will be necessary to maintain driving privileges, and at the end of the period a reinstatement fee (or filing fee) as is typically required.

Types of SR-22 Policies in Florida

  1. Auto Owner Policy – which is a standard auto insurance policy which covers a driver on their owned personal vehicle
  2. Non Owners or Operator policy – is an auto insurance policy which covers a driver for vehicles that they don’t own. A driver who does not have a vehicle registered in their name may purchase a Non-owner policy. Non-owner policies cost far less and carry significantly lower premiums, while still meeting compliance for all SR-22 and FR44 requirements.
  3. Motorcycle Policy – A standard motorcycle insurance policy with an SR-22 filing attached.

How Do I Maintain Coverage?

Any driver who has been notified of the need for SR22 insurance must ensure that this form is filed with the state within 30 days of notification. It is also the responsibility of the driver to ensure that the form is filed each time the policy renews throughout the duration of the SR22 requirement, which is typically 36 months from the date of suspension. The state does not notify drivers that a renewal date is approaching and failure to maintain a current SR22 certificate will result in automatic suspension of your driver’s license. A suspended license may mean you are forced to take public transportation or catch a ride with a friend.

The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.

If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.

Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.

How Much Does an SR-22 Cost in Florida?

Filing for an SR-22 requires a nominal fee of $15 to $25. The bigger cost, however, is the higher policy premiums that will likely result from an SR-22’s impact on your driving record. Marks on your driving records typically place you in a high-risk pool of drivers, which increases your monthly premium. Insurers may also require you purchase a year’s worth of coverage up front, rather than pay monthly.

What if I am Moving to or From Florida?

Whether you are a resident moving out of state or are moving to Florida from another location, you will be required to maintain the proper filing in the state that imposed that requirement. Residents must ensure that the policy in their new state of residence meets the minimum liability insurance requirements, which are:

  • $10,000 of bodily injury coverage per person in an accident
  • $20,000 of bodily injury coverage per accident
  • $10,000 of property damage coverage per accident

FR44 Insurance in Florida

An FR-44 insurance policy is similar to an SR-22, in that it’s an auto insurance policy with an endorsement. The insurer electronically files a certificate of financial responsibility with the state of Florida to show proof that you’re carrying the required liability insurance coverage. And if there’s a lapse in coverage, such as if your policy is canceled or lapses due to nonpayment, your insurer must notify the state that coverage is no longer in place.

However, FR-44 insurance is generally only required if you’ve been found guilty of driving under the influence (a DUI) or driving while intoxicated (a DWI), as you’re considered a higher-risk driver. Therefore, FR-44 insurance is sometimes referred to as “DUI insurance.” DUI convictions are considered quite serious, and the liability insurance requirements for FR-44 insurance in Florida are significantly greater than those for SR-22 insurance. In addition to PIP (personal injury protection) coverage, you’ll need to have a policy with liability limits of at least:

  • $100,000 of bodily injury liability coverage per person injured in an accident
  • $300,000 of bodily injury liability coverage per accident
  • $50,000 of property damage liability coverage per accident

Can I Obtain Coverage After the Fact?

It is possible for drivers to avoid a license suspension for causing an accident without adequate insurance coverage. In order to do so, you must meet the following conditions:

  • You must pay any fines imposed due to the accident.
  • You must obtain a qualified policy and file notice with the state.
  • You must come to an agreement for restitution with all involved parties and obtain signatures attesting to such.

All of this must be completed before the suspension date listed in the inquiry notice sent to you by the flhsmv. Failing to maintain coverage will cause your insurance agency to report the lapse to the DMV

If you are traveling within the state borders and cause an accident, you will need to have your insurance company certify in writing that your out-of-state insurance policy complies with the minimum requirements. Failure to do so can result in your driving privileges being suspended, which may or may not affect your license status in your home state.

Safe Driving Resources for Florida Students

Licensing Requirements for Teens, Graduated Driver License Laws and Driving Curfews

Requirements for Teens Obtaining a Florida Learner’s License

Florida Handbooks & Manuals

Licensing Requirements for Teens, Graduated Driver License Laws and Driving Curfews


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