- Understanding SR-22 insurance in Florida
- How much does SR-22 insurance cost in Florida?
- Average SR-22 insurance cost in Florida by violation
- Non-owners SR-22 insurance in Florida
- How long do you need an SR-22 in Florida?
- Reasons for requiring SR-22 insurance in Florida
- Tips to lower SR-22 insurance costs in Florida
- Methodology
- SR-22 insurance in Florida: FAQ
- Compare Florida SR-22 rates with other states
Understanding SR-22 insurance in Florida
SR-22 insurance isn't a specific type of insurance. Instead, an SR-22 is a form your insurance company files with the state showing you have at least the minimum required car insurance to be on the road in Florida. SR-22 insurance refers to auto insurance coverage where an SR-22 has been filed by the company on your behalf.
Most Florida drivers don't need SR-22 insurance. Drivers who need an SR-22 form have been convicted of significant violations, such as reckless driving, DUIs and multiple infractions in a short amount of time. You will be informed if you are required to file an SR-22 and for how long.
"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.
How much does SR-22 insurance cost in Florida?
Filing an SR-22 form is inexpensive, but the fines and higher insurance rates will be pricey. On average, SR-22 insurance in Florida costs $3,248, but rates depend on the driver and the violation.
Insurance rates vary from company to company, so it's best to shop around to find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Florida by violation
Your insurance rates don't increase because of the SR-22. The SR-22 is required because of a violation, and it's the violation that increases your rates.
For instance, you may require an SR-22 for a DUI or driving without insurance. The car insurance rate increase will be based on the infraction, not the SR-22.
This table shows the average costs for violations requiring an SR-22. The rates vary depending on the violation.
| Violation | Average annual premium |
|---|---|
| Driving without insurance | $3,473 |
| DUI/DWI first offense | $4,240 |
| DUI/DWI second offense | $6,314 |
| Reckless driving | $4,481 |
| SR22 Filing Only | $3,248 |
| SR22 with 1 DUI | $4,981 |
SR-22 insurance cost by company for a first DUI
State Farm offers the lowest car insurance rate for drivers after a single DUI at $2,276 yearly. Finding affordable SR-22 insurance after a DUI can be challenging, but comparing quotes can help. Some insurance companies view a first DUI as a one-time mistake and may offer lower rates than others.
The table below shows how average insurance rates change after one DUI, based on the company. Insurance rates do go up after a DUI, but the increase isn't as high as it is for multiple violations.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $2,276 | $190 |
| Progressive | $3,239 | $270 |
| National General | $3,259 | $272 |
| Travelers | $3,592 | $299 |
| GEICO | $3,978 | $332 |
| Nationwide | $4,575 | $381 |
| Allstate | $4,671 | $389 |
| Mercury Insurance | $4,962 | $414 |
| Farmers | $8,529 | $711 |
SR-22 insurance cost by company for reckless driving
The cheapest company for SR-22 insurance after a reckless driving conviction is State Farm, with an average annual rate of $2,276. Drivers can get reckless driving tickets for many reasons, such as excessive speeding, running red lights, texting while driving, or tailgating. No matter the reason, reckless driving in Florida results in fines, an SR-22 requirement, and increased car insurance rates.
Check the table below to see how average insurance rates for reckless driving compare across different companies.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $2,276 | $190 |
| Travelers | $3,592 | $299 |
| GEICO | $3,848 | $321 |
| Progressive | $3,950 | $329 |
| Nationwide | $4,575 | $381 |
| Allstate | $4,671 | $389 |
| National General | $4,751 | $396 |
| Mercury Insurance | $4,962 | $414 |
| Farmers | $8,529 | $711 |
SR-22 insurance cost by company for driving without insurance
The cheapest company for car insurance after getting a ticket for driving without insurance is State Farm, with an average rate of $2,276 annually.
In Florida, drivers must have at least the minimum required auto insurance. If you don't, you can face fines, higher insurance rates and an SR-22.
Below are the car insurance rates by company for drivers with a lapseWhen your auto insurance coverage ends because you missed a payment or did not renew it on time. A lapse in auto insurance coverage may result in paying higher premiums for a new policy. in coverage.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $2,276 | $190 |
| Travelers | $3,064 | $255 |
| Progressive | $3,876 | $323 |
| Farmers | $4,046 | $337 |
| Mercury Insurance | $4,862 | $405 |
Non-owners SR-22 insurance in Florida
Florida might require you to file an SR-22 form even if you don't own a car as a prerequisite to get your license back. If you borrow or rent a car occasionally, you can get non-owner SR-22 insurance, which meets legal requirements, and the SR-22 can be filed with that policy.
It is important to note that non-owner car insurance only provides extra liability coverage when you drive someone else's car. If you buy a car, you will require the right insurance to legally drive it in Florida.
How long do you need an SR-22 in Florida?
In Florida, drivers usually need to keep an SR-22 for three years. If you don't maintain insurance during this time, the consequences can be serious. You'll be breaking the law and could face more fines and penalties.
Reasons for requiring SR-22 insurance in Florida
"Most Florida drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.
You may need an SR-22 in Florida for reasons such as:
- Getting a DUI
- Reckless driving
- Receiving several traffic violations in a short period
- Failing to keep auto insurance
- Refusing to take a breathalyzer test
- Causing an at-fault accident that results in serious injuries or death
Tips to lower SR-22 insurance costs in Florida
Although your insurance will increase if you need an SR-22, there are still ways to find affordable coverage.
Ways to lower auto insurance costs with an SR-22 include:
- Take advantage of all available discounts. Most insurers allow you to bundle discounts to maximize savings.
- Raise your deductible. Increase the amount you pay before insurance kicks in to lower rates.
- Take a defensive driving course. Some insurers offer a discount for taking a course, and some states remove points from your license, which can lower your insurance rates.
- Sign up for a usage-based program. If you can demonstrate good driving habits while they are being tracked, you could earn a discount.
- Shop around for SR-22 insurance. Compare rates from multiple companies to find the cheapest SR-22 insurance in Florida.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22
- One DUI
- Two DUIs
- Reckless driving
- Driving without insurance
SR-22 insurance in Florida: FAQ
What happens if I fail to maintain SR-22 insurance in Florida?
If you don't keep your insurance and maintain your SR-22 filing, the consequences can be serious. You might face:
- Losing your driver's license
- Paying fines
- Higher car insurance costs
- Restarting your SR-22 time period
- Getting your car taken away
- Jail time
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurance companies if you have an SR-22. Yours new insurer must refile the SR-22 for you. Also, make sure your new policy is active with the SR-22 before canceling your old one.
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