Cheap SR-22 and FR-44 Insurance in Florida (2026)

If you’ve committed a severe traffic violation in Florida, the state or your local court system may require you to file an FR-44 or SR-22 form to reinstate your license. Though not technically insurance policies, SR-22 and FR-44 certificates prove to the state that you’ve purchased the minimum required liability coverage.

Florida requires high-risk drivers to provide proof of insurance. This is your documentation showing your insurance company will pay for the other party’s medical expenses and vehicle damages if you cause an accident.

Cheapest companies for SR-22 and FR-44 insurance in Florida

If you have major traffic violations and frequent accidents on your record, you might struggle to find affordable FR-44 or SR-22 insurance. But you can find a company with rates that work with your budget by shopping around and considering several insurers.

The following table shows average monthly quotes from some of the cheapest insurance companies in Florida for SR-22 coverage.

The below rates in Florida are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$175	$125
Progressive	$195	$116
Mile Auto	$202	$125
Mercury	$240	$180
GEICO	$247	$142
National General	$257	$222
Clearcover	$272	$127
Direct Auto	$272	$180
Bristol West	$290	$208
Allstate	$304	$218
Infinity	$306	$162
The General	$320	$194
Embark	$347	$160
AssuranceAmerica	$348	$222
Root	$353	$219
Travelers	$362	$259
GAINSCO	$374	$184
Liberty Mutual	$398	$354
Liberty Mutual	$398	$354
Dairyland	$415	$147
First Acceptance	$451	$353
Mendota	$460	$339

Disclaimer: Table data sourced from real-time Florida car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Florida may vary based on the policy buyer's unique driver profile.

What is SR-22 and FR-44 insurance in Florida, and when do you need it?

High-risk drivers may have to file either an SR-22 or FR-44. A person may need to file an SR-22 in response to several factors, while an FR-44 filing is always the result of a DUI conviction.

Below, you’ll learn more about these important, and sometimes necessary, filings.

When to file an SR-22

SR-22 insurance isn’t an insurance policy on its own. It’s a certificate that proves you’re carrying at least the mandatory minimum coverage required in Florida. You may also hear an SR-22 form referred to as a certificate of financial responsibility.

Your insurer will file your SR-22 form with the state once you’ve purchased at least 10/20/10 coverage. This means you must carry at least:

• $10,000 in bodily injury/death coverage for one person

• $20,000 in bodily injury/death coverage for two or more people

• $10,000 in property damage coverage per incident

An SR-22 filing can be a requirement as part of a court proceeding, and you may need an SR-22 filed on your behalf if you:

• Are in an accident while driving without insurance or you cause several accidents

• Have driven under the influence

• Fail to pay child support

• Record several repeat or serious driving offenses

• Are seeking to reinstate your license after suspension or revocation

When to file an FR-44

An FR-44 provides proof of coverage, similar to an SR-22, but an FR-44 is only filed if you’re convicted of a DUI. Only Florida and Virginia use FR-44 filings.

Like the SR-22, your insurer will file your FR-44 after you purchase coverage that meets the mandatory minimum requirements. But these minimum requirements are much higher for an FR-44, and you must carry:

• $100,000 in bodily injury/death coverage for one person

• $300,000 in bodily injury/death coverage for two or more people

• $50,000 in property damage coverage per incident

How to get SR-22 insurance in Florida

If you need to get SR-22 insurance due to a court mandate, it’s best to do so quickly before the deadline expires. To get your SR-22 filing completed, you must:

• Contact your insurer to begin the filing process. It’s important to note that not all insurers will file an SR-22 on your behalf, so if your insurer doesn’t handle filing an SR-22, you’ll need to find a new insurer.

• Pay the filing fee. Your insurer will charge you a fee to file your SR-22. This fee is usually $15–$50.

• Get your confirmation. After your insurance company has filed the form, you’ll need to wait for the department of motor vehicles to process the request. This generally takes about two weeks, though electronic filings can be faster.

How long are SR-22 and FR-44 insurance required in Florida?

FR-44 and SR-44 filing requirements vary by state, but drivers in Florida must typically carry FR-44 and SR-22 insurance consecutively for three years.

Your insurance company must inform Florida’s Department of Highway Safety and Motor Vehicles if you cancel your policy or if your coverage lapses before your filing requirement ends. You may then face re-suspension that requires another three years of filing.

How much is SR-22 and FR-44 insurance in Florida?

If you have an SR-22 or FR-44 mandate in Florida, you can expect to spend $15–$50 to file your certificate. You may also have to pay up to $75 to reinstate your driver’s license, up to $225 to reinstate your vehicle registration, and other fees.

Drivers with an SR-22 or FR-44 requirement also tend to pay more for insurance than drivers with clean records. The cost of your high-risk insurance varies depending on the city you live in, insurance company, claim history, age, and other rating factors.

Cheapest insurance companies in Florida with SR-22 and FR-44 by city

If you have major traffic violations and frequent accidents on your record, you might struggle to find affordable FR-44 or SR-22 insurance. But you can find a company with rates that work with your budget by shopping around and considering several insurers.

The following table shows average monthly quotes for liability coverage with an SR-22 form in cities throughout Florida.

The below rates in Florida are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT. 

City Name	Average Monthly Quote: Liability Only
Tallahassee	$146
Clearwater	$164
Fort Myers	$166
Jacksonville	$172
Saint Petersburg	$172
Orlando	$196
Fort Lauderdale	$209
Miami	$224
Tampa	$228

Disclaimer: Table data is based on real-time Florida quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How SR-22 and FR-44 insurance affects driving record and future rates in Florida

Needing to file an FR-44 or SR-22 form can cause insurance companies to view you as a risky driver. Therefore, people with FR-44 or SR-22 requirements may pay significantly higher rates than drivers without. Some insurers may even refuse you coverage.

You can try to offset the effect of either form on your rates by taking the following actions:

Compare insurance rates

Some insurance companies have less stringent underwriting standards for high-risk drivers. Shop around annually to find the best car insurance rates with a company that will insure SR-22 or FR-44 drivers.



Maintain a clean driving record

Frequent instances of reckless driving cause your premiums to increase and may even result in an insurer terminating your coverage. You can counteract high marks on your driving record by practicing safe driving.



Improve your credit

Insurance companies use your credit history to determine your likelihood of filing a claim. Keeping your credit record strong indicates financial responsibility.



Seek discounts

You may qualify for discounts unrelated to your driving record, including loyalty, multi-policy, multi-vehicle, membership, safety feature, and pay-in-full discounts.

Florida SR-22 and FR-44 insurance FAQs