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Cheapest SR-22 insurance in Florida

State Farm has the cheapest SR-22 insurance in Florida, but if you have a suspended license you may also find cheap coverage at other companies.

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Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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Cheapest SR-22 insurance in Florida

The cheapest company for SR-22 insurance in Florida is State Farm, with an average cost of $146 per month, or $1,753 a year. That’s $2,363 cheaper than the average cost of SR-22 insurance in Florida, which is $4,116 per year.

On average, Florida’s high-risk drivers face some of the highest SR-22 insurance rates in the country. But we found that with State Farm, GEICO, Travelers, and a few other car insurance companies have cheaper-than-average rates for Florida drivers who need an SR-22.

It’s always a good idea to compare quotes from different companies before buying to find the company with the cheapest SR-22 insurance for you.

Bar graph showing the cheapest car insurance in Florida, with State Farm being the company with the lowest cost.

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Company

Average monthly cost of SR-22 insurance

Average annual cost of SR-22 insurance

State Farm

$146

$1,753

GEICO

$193

$2,315

Travelers

$250

$2,999

Farmers

$291

$3,486

Mercury

$319

$3,825

UAIC

$344

$4,133

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Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Florida

We found the companies with the cheapest SR-22 insurance in Florida by calculating the average rate for drivers with a suspended license or reckless driving citation on their record.

Our driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit. We collected rates from every ZIP code in Florida for a policy with the following limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident

  • Property damage liability: $50,000 per accident

  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.

What is SR-22 insurance in Florida?

SR-22 insurance isn’t actually a type of car insurance. It’s actually a form that your car insurance company files with the state to prove you have car insurance that meets the minimum coverage requirements. 

In Florida, drivers who need SR-22 must have the following amounts of coverage, at a minimum:

  • Bodily injury liability (BIL): $10,000 per person, $20,000 per accident

  • Property damage liability (PDL): $10,000 per accident

  • Personal injury protection (PIP): $10,000 per accident

SR-22 insurance in Florida has higher minimum coverage requirements than normal car insurance for drivers with clean records. If you need an SR-22 in Florida, you’ll have to get a minimum amount of bodily injury liability coverage, which isn’t required for most Florida drivers.

You may need to get an SR-22 in Florida if your license is suspended for getting too many points. You can get points on your license for driving violations like reckless driving, running a red light, speeding, or leaving the scene of a crash without sharing your information.

Florida laws may require you to have an SR-22 on file for up to three years. If you let your car insurance lapse during the time when you’re supposed to maintain an SR-22, you’ll have to pay a fine and carry an SR-22 for even longer.

Cheapest FR-44 insurance in Florida

Florida is one of two states (the other is Virginia) that sometimes requires an FR-44 form instead of an SR-22. Like an SR-22, an FR-44 is a form that your insurance company files for you, except an FR-44 is usually for more serious violations like a DUI or are involved in a serious accident

We found that GEICO has the cheapest FR-44 insurance in Florida, with an average cost of $149 per month or $1,793 a year — $1,282 cheaper than average.

Company

Average monthly cost of FR-44 insurance

Average annual cost of FR-44 insurance

GEICO

$149

$1,793

State Farm

$155

$1,865

Travelers

$220

$2,640

Nationwide

$220

$2,642

Farmers

$275

$3,297

Mercury

$288

$3,455

UAIC

$290

$3,484

Allstate

$301

$3,613

AIG

$312

$3,747

National General

$351

$4,216

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FR-44s in Florida also have higher coverage requirements than SR-22s. Someone with an FR-44 must have at least the following minimum amounts of car insurance:

  • Bodily injury liability (BIL): $100,000 per person, $300,000 per accident

  • Property damage liability (PDL): $50,000 per accident

  • Personal injury protection (PIP): $10,000 per accident

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How to get SR-22 or FR-44 insurance in Florida

If your license has been suspended in Florida and the state is requiring you to get either an SR-22 or FR-44, here are the steps to follow:

  1. Shop around and get covered: Since car insurance rates are so expensive in Florida, it’s best to compare quotes before you get covered to find the lowest price for either SR-22 or FR-44 insurance. You probably won’t be able to get quotes online, so you may have to call car insurance companies or agents directly.

  2. Plan to pay a fee: Your insurance company will file your SR-22 or FR-44 for you after you buy coverage, but expect to pay a filing fee as a part of your policy’s premiums. Usually the fee is around $25.

  3. Wait for your license to be reinstated: You should wait for confirmation from your insurance company or the Florida DMV that the state has received the form and your license is no longer suspended before you drive, otherwise you risk even more legal penalties.

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

People who don’t own a car may still have to get SR-22 or FR-44 insurance if they committed a violation in a borrowed or rented car.

In this case, you’d have to get non-owners SR-22 or FR-44 insurance. Non-owners insurance is a basic policy for people who don’t own a car. It usually includes only the minimum amount of insurance you’d need to meet the requirements of an SR-22 or FR-44 in Florida.

Non-owners SR-22 and FR-44 insurance both work almost exactly like a regular policy, but they’re cheaper since neither includes comprehensive or collision coverage (and since people who don’t own cars usually drive less than people who do).

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Frequently asked questions

How much does SR-22 insurance cost in Florida?

In Florida, the average cost of SR-22 insurance is $343 per month or $4,116 a year. That’s expensive, but there are a few companies that have much cheaper rates.

What are the rules for SR-22 insurance in Florida?

Florida drivers whose licenses are suspended have to get SR-22 insurance. If the suspension is because you got a DUI, you’ll have to get FR-44 insurance instead.

How do you get rid of your SR-22 in Florida?

After a set number of years, the Florida Department of Motor Vehicles will let you know that you no longer need an SR-22. Then you can tell your company you no longer need an SR-22 on your policy.

Corrections

No corrections since publication.

Author

Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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