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Florida SR-22 Car Insurance (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Cheapest Companies for SR-22 Insurance in Florida (2022)

For drivers with SR-22 in Florida, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Florida. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Florida.

CarrierAvg. Monthly Cost
National General$249
Bristol West$279
Direct Auto$300

How Much Does SR-22 Insurance Cost in Florida?

Remember that an SR-22 is the form your insurance company has to file that proves you've purchased the right amount of insurance from them. But people who need this form filed are considered high-risk, and your high-risk status will cost you more to drive in Florida than other motorists. While a driver who doesn't need an SR-22 pays $297 in monthly premiums, rates for SR-22 insurance averages $419. That's an increase of 41 percent, or $122 more monthly for car insurance if you have to submit an SR-22 to the state.

No Violation - Avgerage Monthly Rate
With SR-22 - Average Monthly Rate
$122 ▴
41.08% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

What Is an SR-22, and Who Needs One in Florida?

Nearly every state requires motorists to carry a minimum amount of liability coverage to make sure there's money to pay expenses in case of an accident. An SR-22 is an additional form that insurers must file for some drivers as a way of proving that the driver has enough insurance to meet the state's minimum requirements. Not every insurance provider will file an SR-22 because they may not want to do business with drivers who have serious violations.

Drivers with DUIs and who exhibit other high-risk behaviors are usually asked to have an SR-22 in Florida. For example, if you are charged with a moving violation in relation to an accident you cause in Florida, there are injuries noted in the crash report, and you don't have the minimum amount of insurance required by Florida law, you must obtain the necessary insurance and have an SR-22 on file with the state for three years.

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How Much Does Credit Score Affect SR-22 Insurance Costs in Florida?

Having an SR-22 compounds the effects your credit score already has on insurance costs. For credit scores of any range, an SR-22 will cost you from $62 to $75 more a month in insurance premiums than if you had a policy without it. Even rates for people with excellent credit increase when you include an SR-22. For example, those with excellent credit and no SR-22 pay $257 a month for insurance, while insurance costs for a driver with excellent credit and an SR-22 add up to $319.

Credit TierAvg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22 Difference

How to Find the Best SR-22 Insurance Rate in Florida

Any insurer you call will be familiar with an SR-22. You can ask for SR-22 insurance or a certificate or financial responsibility or even whether they file an SR-22 form. Depending on the severity of the conviction, Florida sometimes requires an FR-44 form instead. Know which one you need before you call.

Non-Owner SR-22 Insurance in Florida

If you don't have a car and are asked to provide SR-22 insurance, don't ignore it. Simply ask your insurance agent for non-owner car insurance, and they can issue an SR-22 along with it. Sometimes, you'll find that non-owner car insurance is more affordable than traditional insurance options.

Alternatives to an SR-22 in Florida

Though an SR-22 can confirm that you are continuously carrying the required minimum amount of car insurance in Florida ($10,000 in personal injury protection and $10,000 property damage liability), it's not the only form for proving financial responsibility in the state. Some DUI-related offenses require a motorist to have increased limits of liability. An FR-44 filing proves that these new liability limits have been obtained.

How Do I Get SR-22 Insurance in Florida

Getting a list of affordable SR-22 options in Florida is easy if you know how. Instead of combing through insurance companies one at a time, plug a few pieces of information into Insurify, and watch as the site returns dozens of quotes that are tailored to you in just minutes.

Frequently Asked Questions

  • You'll need to have an SR-22 in place for three years in Florida before you can buy a policy without one. Remember that your insurance company automatically notifies the state if you cancel your insurance or there's a lapse in coverage. In those cases, your driver's license will be revoked.

  • If you move out of state, your SR-22 requirement generally "moves" with you, even if you move to a state that doesn't require an SR-22. Besides needing to get a new insurance policy in your new home state, you'll need to ask them to file the SR-22.

  • Not having a car doesn't rid you of the responsibility of having an SR-22 on file with the state. You'll just need to ask your agent to write you a non-owner policy in addition to filing the SR-22 form.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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