Cheap SR-22 and FR-44 Insurance in Florida (2024)

If you’ve committed a severe traffic violation, Florida law 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.

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

Florida requires drivers to file an SR-22 form for all non-DUI violations, including but not limited to:

• Various traffic violations within the last six months, such as multiple speeding tickets

• Reckless driving

• Driving while uninsured

• Driving with a suspended license

"SR-22 and FR-44 forms are certificates of financial responsibility that the state of Florida requires high-risk drivers to file with the Florida Highway Safety and Motor Vehicles (FHSMV) department," says Mark Friedlander, director of corporate communications at the Insurance Information Institute (III).

You may have to file an FR-44 form if you commit a serious traffic violation, like driving under the influence or driving after you forfeited your license following a conviction. SR-22 drivers only need to purchase the state’s minimum liability coverage, but an FR-44 requires drivers to buy more than the state’s minimum liability coverage.

• SR-22 drivers in Florida need $10,000 per person and $20,000 per accident for bodily injury, $10,000 in property damage, and $10,000 in personal injury protection (PIP).^[1] 

• FR-44 drivers in Florida need $100,000 per person and $300,000 per accident for bodily injury, $50,000 in property damage, and and $10,000 in PIP.^[2]

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How can you get SR-22 insurance in Florida?

If you need to file an SR-22 or FR-44 insurance form in Florida, you must first purchase coverage from a company licensed in the state. Then, notify your insurance agent that they must file your form with the Florida Department of Highway Safety and Motor Vehicles.

Not all insurance companies offer coverage for high-risk drivers, so check that your car insurance company does. If it doesn’t, you must switch insurers.

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 to $25 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 factors.

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. However, 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.

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

When determining your costs, car insurance companies examine the frequency of theft, accidents, and vandalism in your area, as well as traffic congestion and population density. So, your location can play a significant factor in your premium calculation. Find the average monthly costs for coverage in some of Florida’s most populated cities below.

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How SR-22 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 friendly 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.

• 

  Increase your credit score

  Insurance companies use your credit score to determine your likelihood of filing a claim. Keeping your credit score high 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 up-front payment discounts.

• 

  Complete a defensive driving course

  While a high-risk driving violation can stay on your record for three years or more, a defensive driving course can help lessen the effect of your poor record and lower your rates.

Florida SR-22 and FR-44 insurance FAQs