Understanding SR-22 insurance in Florida

SR-22 insurance isn’t a specific type of insurance. Instead, an SR-22 is a form your insurance company files with the state showing you have at least the minimum required car insurance to be on the road in Florida. SR-22 insurance refers to auto insurance coverage where an SR-22 has been filed by the company on your behalf.

Most Florida drivers don’t need SR-22 insurance. Drivers who need an SR-22 form have been convicted of significant violations, such as reckless driving, DUIs and multiple infractions in a short amount of time. You will be informed if you are required to file an SR-22 and for how long.

“Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company,” says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.

How much does SR-22 insurance cost in Florida?

While filing an SR-22 form is typically inexpensive, the associated fines and increased insurance rates are costly. On average, SR-22 insurance in Florida is $3,248 but varies significantly based on the driver and infraction.

Keep in mind that insurance rates vary from company to company, so shop around to find the cheapest SR-22 insurance available.

Average SR-22 insurance cost in Florida by violation

The SR-22 itself isn’t the reason your insurance rates will go up. The SR-22 is required because of a violation, and it’s that violation that determines the impact on your rates.

For example, an SR-22 may be required for a DUI or driving without insurance. The rate increase will be based on the infraction, not the SR-22 itself.

This table shows the average rates for violations requiring an SR-22. As you can see, rates vary significantly based on violation.

ViolationAverage annual premium
Driving without insurance$3,473
DUI/DWI first offense$4,240
DUI/DWI second offense$6,314
Reckless driving$4,481
SR22 Filing Only$3,248
SR22 with 1 DUI$4,981
Data updated in 2024
Read our methodology

SR-22 insurance cost by company for a first DUI

After a single DUI, the cheapest company on average is State Farm with average rates of $2,276. Affordable SR-22 coverage with a DUI is a little harder to find, but shopping around can help. Some insurance companies are willing to view the first DUI as a one-time mistake, offering more affordable rates than others.

Take a look at the table below to see how average insurance rates after one DUI vary by company. While insurance rates increase after a DUI, the increase isn’t as severe as with multiple infractions.

CompanyAverage annual premiumAverage monthly premium
State Farm$2,276$190
Progressive$3,239$270
National General$3,259$272
Travelers$3,592$299
Geico$3,978$332
Nationwide$4,575$381
Allstate$4,671$389
Mercury Insurance$4,962$414
Farmers$8,529$711
Data updated in 2024
Read our methodology

SR-22 insurance cost by company for reckless driving

The cheapest company for SR-22 insurance with a reckless driving conviction is State Farm at an average annual rate of $2,276. A reckless driving ticket may be handed out for a variety of driving behaviors, such as excessive speed, running traffic lights, texting while driving or tailgating. No matter the reason, reckless driving in Florida leads to fines, higher car insurance rates and an SR-22.

Compare average rates for reckless driving from various insurers below.

CompanyAverage annual premiumAverage monthly premium
State Farm$2,276$190
Travelers$3,592$299
Geico$3,848$321
Progressive$3,950$329
Nationwide$4,575$381
Allstate$4,671$389
National General$4,751$396
Mercury Insurance$4,962$414
Farmers$8,529$711
Data updated in 2024
Read our methodology

SR-22 insurance cost by company for driving without insurance

The cheapest company for car insurance after being ticketed for driving without insurance is State Farm at an average yearly rate of $2,276. Florida requires that drivers carry at least a minimum amount of auto insurance. Failing to do so leads to fines, increased insurance rates, and an SR-22. Because failing to maintain minimum car insurance shows a lack of responsibility, insurers raise rates significantly.

The table below shows average rates by company for drivers who have had a lapse in coverage.

CompanyAverage annual premiumAverage monthly premium
State Farm$2,276$190
Travelers$3,064$255
Progressive$3,876$323
Farmers$4,046$337
Mercury Insurance$4,862$405
Data updated in 2024
Read our methodology

Non-owners SR-22 insurance in Florida

Florida may require you to file an SR-22 form even if you don’t own a vehicle as a prerequisite for reinstating your license. Drivers who sometimes borrow or rent a car can buy non-owner SR-22 insurance, which provides state minimum auto insurance coverage. A non-owner car insurance policy meets the legal requirements, and an SR-22 can be filed based on that policy.

It’s important to note that non-owner car insurance only acts as secondary liability coverage when driving someone else’s car. If you buy a car, you will need the proper insurance to drive it in Florida.

How long do you need an SR-22 in Florida?

Typically, Florida drivers must maintain an SR-22 for three years. However, if you fail to maintain insurance during this time, the consequences can be severe. Not only will you be in violation of the law, but you may also face additional fines and penalties.

Reasons for requiring SR-22 insurance in Florida

Most Florida drivers don’t need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insurance required by the state,” says Cato.

Reasons you may need an SR-22 in Florida include:

  • DUI
  • Reckless driving
  • Multiple infractions in a short amount of time
  • Failure to maintain auto insurance
  • Refusing a breathalyzer
  • At-fault accidents involving severe injuries or death

Tips to lower SR-22 insurance costs in Florida

Although your insurance will increase if you need an SR-22, there are still ways to find affordable coverage.

Ways to lower auto insurance costs with an SR-22 include:

  • Take advantage of all available discounts. Most insurers allow you to bundle discounts to maximize savings.
  • Raise your deductible. Increase the amount you pay before insurance kicks in to lower rates.
  • Take a defensive driving course. Some insurers offer a discount for taking a course, and some states remove points from your license, which can lower your insurance rates.
  • Sign up for a usage-based program. If you can demonstrate good driving habits while they are being tracked, you could earn a discount.
  • Shop around for SR-22 insurance. Compare rates from multiple companies to find the cheapest SR-22 insurance in Florida.

Insurance.com commissioned car insurance rates from Quadrant Information Services in late 2023 for a full coverage car insurance policy with coverage of 100/300/100 in liability and $500 deductibles. Rates are based on a 40-year-old driver with good credit driving a 2023 Honda Accord LX, with violations requiring an SR-22: One DUI, two DUIs, reckless driving and driving without insurance.

SR-22 insurance in Florida: FAQ

What happens if I fail to maintain SR-22 insurance in Florida?

The consequences may be severe if you don’t retain insurance and fail to maintain your SR-22 filing. Possible consequences include:

  • Revoked driver’s license
  • Fines
  • Increased auto insurance
  • Restarting your SR-22 time period
  • Having your car impounded
  • Jail time

Can I switch insurance providers while I have an SR-22 filing?

Yes, you can switch auto insurers while you have an SR-22. However, your new insurance company must refile the SR-22, and you need to have insurance in place with your SR-22 filed before canceling your previous policy.

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