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An SR-22 is a filing made by an insurance company on your behalf with the Florida DMV or court. SR-22 insurance isn’t a type of insurance; instead, it provides proof that you have the required insurance to meet Florida state law.

SR-22 insurance filings are required in Florida after certain major violations, if you have been caught driving without insurance or for several other reasons.

If you need an SR-22, you must maintain your insurance coverage and ensure that an insurance company files the form on your behalf. Failure to do so can result in loss of driving privileges and other penalties.

Understanding SR-22 insurance in Florida

An SR-22 is required to reinstate your license after it’s been suspended. In some cases, you might need an SR-22 even though you don’t own a car, or if you need to register a car while still under suspension. There are several forms of SR-22 filings available in Florida:

  • Operator
  • Owner
  • Owner-operator

If you need to reinstate your license but don’t own a car, you will need to purchase non-owners car insurance to get the SR-22 filed.

How long do you need an SR-22 in Florida?

The average length of an SR-22 requirement is three years. If you need the SR-22 for a longer period of time, you’ll be informed by the DMV or the court.

If you fail to maintain an insurance policy throughout the duration of your SR-22 period, the insurance company will inform the Florida DMV of the lapse in coverage. A lapse will result in an extension of the SR-22 insurance duration.

Further serious moving violations during the SR-22 period may also result in an extension of the SR-22 requirement.

Reasons for requiring SR-22 insurance in Florida

An SR-22 is required in Florida for several reasons. They include:

  • DUI
  • Driving without insurance
  • Being involved in an at-fault accident while uninsured
  • Too many points on your license
  • Reckless driving

You will be informed by the DMV or the court handling your conviction of any SR-22 insurance requirements.

How much is SR-22 insurance in Florida?

The cost of insurance with an SR-22 will vary depending on the violation that resulted in the need for an SR-22. The insurance company will charge you a filing fee that is usually between $25 and $50. On top of that, your insurance rates will go up. Here are a few examples:

  • The average cost of DUI first offense and SR-22 insurance in Florida is $3,997 per year
  • The average cost of DUI second offense and SR-22 insurance in Florida is $5,684 per year 
  • The average cost of insurance with an SR-22 in Florida after a reckless driving conviction is $4,396 per year
  • The average cost of driving without insurance and SR-22 in Florida is $3,527 per year

The main factors affecting SR-22 insurance cost in Florida are the violation itself and what else is on your driving record. The cost of multiple traffic violations and SR-22 insurance, or at-fault accidents on your record will skyrocket. 

How much you pay for insurance with an SR-22 will also depend on:

  • The type of car you drive
  • Where you live
  • How you use your car
  • Your coverage limits

Average cost of SR-22 insurance in Florida by violation

Below are average car insurance rates for three different violations that require an SR-22.

ViolationAverage annual premium
DUI first offense$3,997
DUI second offense$5,684
Reckless driving$4,396
Driving without insurance$3,527

Average SR-22 insurance cost in Florida for different violations

See the tables below to compare rates from top companies for an SR-22 with various violations.

SR-22 insurance cost by company for DUI, first offense

Below are average car insurance rates by company for a first-offense DUI that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$2,356$196
Geico$3,109$259
National General$3,933$328
Progressive$3,978$331
Travelers$4,013$334
Allstate$4,189$349
Farmers$4,481$373
Mercury$4,550$379
Nationwide$5,358$446

SR-22 insurance cost by company for DUI, second offense

Below are average car insurance rates by company for a second offense DUI that requires an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$2,356$196
Geico$5,078$423
Farmers$5,190$432
Progressive$5,461$455
Allstate$5,628$469
Travelers$5,894$491
Mercury$6,384$532
Nationwide$7,517$626
National General$7,868$656

SR-22 insurance cost by company for reckless driving 

Below are average car insurance rates by company for reckless driving with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
State Farm$2,356$196
Geico$2,997$250
Travelers$4,013$334
Allstate$4,189$349
Mercury$4,550$379
Progressive$4,925$410
Nationwide$5,358$446
Farmers$5,462$455
National General$5,862$488

SR-22 insurance cost by company for driving without insurance

Below are average car insurance rates by company for driving without insurance with an SR-22.

CompanyAvg. annual premiumAvg. monthly premium
Geico$1,684$140
State Farm$2,356$196
Nationwide$2,581$215
Allstate$3,215$268
Travelers$3,399$283
National General$3,769$314
Mercury$4,454$371
Progressive$4,837$403
Farmers$5,470$456

Tips to lower SR-22 insurance costs in Florida

Because the need for an SR-22 follows a major violation, car insurance after an SR-22 is expensive. The good news is that many of the methods for getting cheaper car insurance still apply after an SR-22. They include:

  • Raising your deductible
  • Working to improve your driving record (and avoid any further tickets or accidents)
  • Discounts, including for bundling your auto and home  insurance
  • Usage-based programs that monitor your driving habits in return for a discount
  • Shopping around

Shopping around is the quickest and easiest way to get cheaper Florida car insurance, even with an SR-22.

Frequently asked questions: Florida SR-22 insurance

What happens if I fail to maintain SR-22 insurance in Florida?

If your insurance lapses, the insurance company will report it to the DMV. Your license will be suspended or even revoked permanently.

Can I switch insurance providers while I have an SR-22 filing?

Yes. Switching insurance providers with an SR-22 filing is permitted. Just make sure there is no lapse in coverage and that the new insurance company files the SR-22 form.

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