Get free quote in-app


Our Insurance Partners


Key Takeaways

  • Your auto insurance company submits an SR-22, or certificate of financial responsibility, to your state.
  • Your insurance costs will go up if you have to get an FR-44 or SR-22 in Florida. The cause of the filing and your auto insurance company will determine how much the premium will go up.
  • com can assist youin finding the best deal regardless of your driving history. will handle the paperwork and cancel your existing policy, saving you the trouble of transferring carriers.

What is SR-22 Insurance?

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.

How to get SR-22 insurance

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.

How long will I need the SR-22?

For a first offense, a driver in Florida will typically need to maintain an SR-22 for a period of three years.

Other insurance forms required in Florida

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.

See what you could save on auto insurance

Cost of SR-22 and FR-44 insurance in Florida

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.

Cost for SR-22 Insurance Florida by City

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

SR-22 Insurance Florida - Cheapest price by City

City Price
The Hammocks Liberty Mutual
Clearwater Dairyland
Miami Progressive
Tampa Progressive
Deerfield Beach
Fort Myers
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
Alafaya National General
Davie Progressive
Fort Lauderdale Progressive
Tamiami Progressive
Tallahassee Progressive
Port St. Lucie Dairyland
Plantation Liberty Mutual
The Villages
Fountainebleau Farmers
Lehigh Acres
Miami Gardens Farmers
North Port Progressive
Wesley Chapel
Pine Hills
North Miami Progressive
Pensacola Progressive
Port Orange
Weston Bristol West
Jacksonville Progressive
Sanford Progressive
St. Petersburg Progressive
Orlando Progressive
Spring Hill Dairyland
Jupiter Progressive
St. Cloud Progressive
Palm Beach Gardens Liberty Mutual
Miami Beach Liberty Mutual
Pembroke Pines Progressive
Bonita Springs National General
West Palm Beach
Sunrise Progressive

SR-22 insurance in Florida: Traffic violations and Uninsured driving

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.

FR-44 insurance in Florida: DUIs and DWIs

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.

Florida SR-22 Requirements

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:

  • bodily injury coverage of $10,000 per person in the event of an accident
  • bodily injury liability coverage of $20,000 per incident
  • $10,000 per accident in property damage insurance

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:

  • $100,000 in bodily injury liability insurance for each accident victim
  • $300,000 in liability insurance for bodily injury per incident
  • $50,000 in liability coverage for property damage per incident

When do I need SR-22 insurance?

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.

See what you could save on auto insurance

Reasons you may be required to file an SR-22:

An SR-22 request usually follow these driving incidents:

  • You have received multiple driving infractions in the past six months, such as speeding tickets.
  • You were found guilty of a DUI/DWI (you need an FR-44 with liability limits of 100/300).
  • Your driver's license was revoked for not making child support payments.
  • You caused an accident and did not have auto insurance.

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.

Non-owner SR-22 and FR-44 insurance in Florida

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.

How an SR-22 will impact your insurance in Florida?

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:

  • Compare prices: It pays to browse around for a low-cost auto insurance policy because different providers will determine your prices using various calculations. For example, will compare prices for your SR-22/FR-44 insurance from the top 130 insurance providers in the country.
  • Get only the insurance you require: Holding simply the minimal amount of liability insurance required by your state will lower your rates.
  • Change how you drive: This will help you save money on an SR-22/FR-44 alternative like the non-certificate owners by driving less, a less expensive car, or a car not registered in your name.
  • Look for discounts: By enrolling in a DUI or defensive driving course or paying the full amount of your insurance coverage upfront, you may be able to lower your costs. However, you might not be eligible for a discount for lump-sum payments for an FR-44, which makes selecting a monthly premium choice impossible.

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, you can save money and get the least amount of coverage necessary for your driving style.

Bottom-line, a super app, will assist you in finding affordable auto insurance by quickly gathering quotes from all the top-tier insurance companies.

We at will handle the paperwork, terminate your old insurance, and even obtain new competitive rates from insurers before your policy auto-renews, saving you a tonne of time and money.

You might forget to cancel your previous insurance coverage when you move insurance providers. You might have to submit an SR-22 because of this, which will result in the suspension of your license. However, not with! is simple to use. In one app, you can cancel your previous policy and request quotes.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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

Frequently asked questions

What is an SR-22 in Florida?

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.

How much does SR-22 insurance cost in Florida?

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.

Who sells SR-22 certificates in Florida?

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.

Can I cancel my SR-22 after my license gets reinstated?

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.

How much does SR-22 insurance cost compared to a standard policy in Florida?

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.

Learn more by city and state for car insurance

Learn more by city and state for car insurance

Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!