Key Takeaways
It is a popular misconception that "SR-22" refers to a specific sort of insurance, and motorists looking for more information frequently use the terms "SR insurance" or "SR-22 insurance." Even though SR-22s are linked to auto insurance, an SR-22 isn't technically insurance. A "Certificate of Financial Responsibility" is what the SR-22 is officially known as.
The auto insurance companies produce the certificate to certify that you have the bare minimum coverage that the State of Florida mandates for all drivers.
You must have car insurance before your insurance provider issues you a Florida SR-22 certificate. The insurance provider guarantees that you have a current motor insurance policy and are financially able to cover any damages you might do in the event of an accident by submitting an SR-22 certificate to Florida's DMV.
However, some insurers may refuse coverage or supply these documents due to the risk involved with drivers who are required to present an SR-22.
There are a few procedures you must do to obtain an SR-22. If you already have auto insurance, speak with your provider, request an SR-22, and then pay the required amount. The insurance provider will send you a copy of the original while sending the original to the government or DMV. Before the insurance provider draws the SR-22, you must first obtain insurance if you don't already have it.
For a first offense, a driver in Florida will typically need to maintain an SR-22 for a period of three years.
Only a few states, including Florida, have SR-22 requirements in addition to alternative forms that may be needed in other situations.
Florida drivers must therefore be fully aware of this more complicated regulatory landscape.
| Form | Requirements |
|---|---|
| SR-22 | For drivers who have engaged in a significant traffic infraction, such as reckless driving or driving without insurance, an SR-22 is necessary for Florida. |
| FR-44 | Florida drivers must complete this form for significant offenses, including driving while intoxicated or under the influence of other drugs. In addition, the purchase of auto insurance with larger limits than those needed by an SR-22 is one of the FR-44 requirements. |
| SR-21 | In more specific situations involving auto accidents and traffic offenses, an SR-21 form is necessary. |
According to our survey of four insurers, the average annual cost of auto insurance in Florida is $2208. Drivers also experienced an average rate rise of 53% following the filing of an SR-22.
SR-22 insurance would be roughly $3456 per year, or $1248 more than their previous policy, assuming this sample driver's liability limits stayed the same.
We suggest you begin by comparing prices from at least three or four different insurance providers to find SR-22 or FR-44 insurance that is less expensive in Florida. The simplest way to get low rates is to be a high-risk driver, even though you will always receive more expensive quotations because each insurer examines driving records differently.
| Car Insurance Companies | Average Annual Premium | Annual Premium with SR-22 and DUI |
|---|---|---|
| State Farm | $1083 | $1278 |
| Allstate | $4179 | $5073 |
| Progressive | $3132 | $4083 |
There is a $15 filing fee for each SR-22 or FR-44 form if you have to get insurance in Florida. Even if you have the option to pay for SR-22 insurance monthly, we advise paying beforehand whenever possible because your overall cost will be less.
Check to see if you qualify for discounts from your insurance provider, such as cheaper rates for completing a defensive driving course.
| City | 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 |
| City | Carrier |
|---|---|
| The Hammocks | Liberty Mutual |
| Clearwater | Dairyland |
| Miami | Progressive |
| Kendall | State Farm |
| Tampa | Progressive |
| Deerfield Beach | State Farm |
| Fort Myers | State Farm |
| Boynton Beach | Progressive |
| Town ‘n’ Country | Progressive |
| Delray Beach | Progressive |
| Homestead | Progressive |
| Cape Coral | Bristol West |
| Deltona | Liberty Mutual |
| Apopka | Bristol West |
| Largo | Progressive |
| Palm Coast | Farmers |
| Lauderhill | State Farm |
| Alafaya | National General |
| Davie | Progressive |
| Fort Lauderdale | Progressive |
| Doral | State Farm |
| Tamiami | Progressive |
| Tallahassee | Progressive |
| Sarasota | State Farm |
| Port St. Lucie | Dairyland |
| Plantation | Liberty Mutual |
| The Villages | State Farm |
| Fountainebleau | Farmers |
| Lehigh Acres | State Farm |
| Miami Gardens | Farmers |
| Tamarac | State Farm |
| North Port | Progressive |
| Wesley Chapel | State Farm |
| Pine Hills | State Farm |
| Lakeland | State Farm |
| North Miami | Progressive |
| Kissimmee | State Farm |
| Pensacola | Progressive |
| Port Orange | State Farm |
| Weston | Bristol West |
| Jacksonville | Progressive |
| Sanford | Progressive |
| St. Petersburg | Progressive |
| Orlando | Progressive |
| Spring Hill | Dairyland |
| Hialeah | State Farm |
| Jupiter | Progressive |
| St. Cloud | Progressive |
| Palm Beach Gardens | Liberty Mutual |
| Miami Beach | Liberty Mutual |
| Pembroke Pines | Progressive |
| Bonita Springs | National General |
| West Palm Beach | State Farm |
| Sunrise | Progressive |
Florida may suspend your license and demand that you obtain SR-22 insurance before restoring your driving privileges if it determines that you are a high-risk driver. For example, you may be viewed as a high-risk driver if you have too many points on your record or have been in an accident while uninsured.
It can vary how long an SR-22 filing has to be active. Therefore we advise checking with the DMV. In Florida, you will often have the SR-22 in place for at least three years before buying a policy without one.
Your license will probably be suspended again, and you'll have to pay a charge to have it reinstated, in addition to the expense of insurance, if your policy expires or is canceled during this time and you are left without insurance.
The insurer will often charge you a nominal filing fee when you buy SR-22 insurance. When you renew your policy, the insurer usually keeps filing the SR-22 form on your behalf; nevertheless, we advise you to double-check this, as the state is not compelled to alert you if the renewal date is coming up or the form hasn't been filed.
The requirement to register an SR-22 in Florida remains in effect even if you move out of state during that time. However, to maintain coverage in the state, you must speak with an insurer about making an out-of-state filing on your behalf.
In that it is an auto insurance policy with an endorsement, an FR-44 insurance policy is comparable to an SR-22. In addition, the insurer submits a certificate of financial responsibility electronically to the state of Florida as evidence that you have the necessary liability insurance coverage.
Your insurer must inform the state that coverage is no longer in effect whenever there is a lapse in protection, such as when your policy is canceled or expires for lack of payment.
However, since you're a higher-risk driver if you've been convicted of a DUI or DWI, you're usually only obliged to get FR-44 insurance in those situations. So as a result, "DUI insurance" is another name for FR-44 insurance.
Your specific situation will determine how long you must maintain FR-44 insurance in Florida, so it's best to confirm. Generally speaking, the filing is necessary for three years following your conviction.
The FR-44 form must be in effect for three consecutive years without any gaps in coverage, unlike SR-22 insurance. Otherwise, your license will not be reinstated, and the three-year period would need to be started anew.
Additionally, drivers must adhere to more stringent FR-44 insurance payment rules in Florida. For example, an FR-44 policy cannot be paid for in monthly installments, unlike an SR-22 policy. As an alternative, you'll often need to pay premiums for at least six months at a time. However, this condition could be waived at renewal.
Although it has an SR-22 endorsement, car or motorbike insurance does not have a distinct category for SR-22 coverage. Therefore, it would be best if you got a policy with limits of liability insurance sufficient for Florida, and the insurer must then file an SR-22 form on your behalf to get your license back.
This form serves as evidence of coverage, informing the state that you have a policy that includes at least:
DUI convictions are taken seriously, and Florida's FR-44 insurance requirements for liability insurance are much higher than those for SR-22 insurance.
It would be best if you had personal injury protection (PIP) coverage and liability limitations on your insurance that is at least:
You might be unsure what an SR-22 is and why you are being asked for one if you have received a letter from the DMV requesting one. Florida also has two more forms, the FR-44, and the SR-21, which are comparable to the SR-22 requirement and are needed in certain situations.
When alcohol is involved in the incident or depending on the severity of the infringement, an FR-44 is necessary for Florida and a few other states. In contrast, an SR-21 is needed in more specific situations like an accident or traffic ticket.
An SR-22 request usually follow these driving incidents:
These scenarios could lead to the Florida DMV asking you to submit an SR-22. Obtaining an SR-22 form in Florida is not difficult, provided you have insurance, but several key factors must be aware of.
If you need to file an FR-44 or SR-22 in Florida to get your license back but don't own a car, you can satisfy this need by purchasing a non-owner insurance policy.
A non-owner SR-22 or FR-44 insurance policy is comparable to a typical owner's auto insurance policy in that it contains bodily injury and property damage liability coverage. When you borrow a friend's car, it provides coverage.
You can complete the necessary steps to have your license reinstated by having your insurer add an SR-22 or FR-44 endorsement to non-owner insurance and file a filing with the state.
The main distinctions are that a non-owner insurance policy can be substantially less expensive than an owner's policy and only needs liability coverage, not PIP coverage. Ensure that your non-owner policy's liability limits satisfy Florida's SR-22 or FR-44 insurance regulations.
Your insurance premiums will increase in Florida if you file an SR-44 or FR-44. However, there are some strategies to limit the costs:
Typically, the endorsement requirement will be removed, and your premiums will decrease once you have maintained an SR-22/FR-44 on your policy for three years. But don't allow your insurance coverage to expire; doing so could result in license loss and a new application process.
By comparing online car insurance rates with Way.com, you can save money and get the least amount of coverage necessary for your driving style.
| SR-22 Needed After | Serious traffic offense and/or suspension of the license |
| Required For | Three years |
| Average Rate Increase | $1170 |
| Minimum Bodily Injury Liability Coverage | $50,000 per person / $100,000 per accident |
| Minimum Property Damage Liability Coverage | $100,000 |
| Additional coverage required | Personal injury protection - $30000 |
| Property protection insurance - $50000 |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Florida may suspend your license and demand that you obtain SR-22 insurance before restoring your driving privileges if it determines that you are a high-risk driver. For example, you may be viewed as a high-risk driver if you have too many points on your record or have been in an accident while uninsured.
It can vary how long an SR-22 filing has to be active. Therefore we advise checking with the DMV. In Florida, you will often have the SR-22 in place for at least three years before buying a policy without one.
SR-22 forms typically cost between $15 and $25, but if your need for one is due to a serious traffic ticket on your record, your auto insurance rates will probably go up.
In Florida, not every auto insurance provider issues SR-22 documents. However, USAA and American Family are a few businesses that offer SR-22 forms to drivers in Florida.
In Florida, an SR-22 requires three years of paid and current insurance. Your insurance company will notify the DMV of your auto insurance cancellation or inability to pay premiums, resulting in the policy lapse, rendering your SR-22 certificate useless. Additionally, your driver's license may be canceled or suspended.
According to our survey of four insurers, the average annual cost of auto insurance in Florida is $2208. Drivers also experienced an average rate rise of 53% following the filing of an SR-22.
SR-22 insurance would be roughly $3456 per year, or $1248 more than their previous policy, assuming this sample driver's liability limits stayed the same.
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