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What Is SR-22 Insurance in Florida and How Much Does It Cost?

If you have been convicted of a serious traffic violation or you are facing license suspension, you may be considered a “high-risk driver”. It’s likely the Florida Department of Highway Safety and Motor Vehicles will require you to purchase a new car insurance policy with an SR-22 filing requirement. You’ll need it for about 3 years, and while the filing service itself isn’t that expensive (think: roughly $25) the car insurance rates are going to be higher than you’re used to.

What Is SR-22 Insurance in Florida?

SR-22 isn’t a type of car insurance. It’s a certificate of financial responsibility proving you meet the state’s minimum car insurance requirements.

Typically, drivers who commit serious traffic offenses are labeled high-risk drivers and the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) requires them to purchase car insurance with an SR-22 filing requirement before they can start driving again. This filing requirement proves you have the required amount of car insurance and that you’ll have it for a specific amount of time (usually 3 years). SR-22 has a reputation for being expensive, but in reality the SR-22 filing fee generally is around $25; the actual car insurance rates are what increase.
When the offense is driving under the influence (DUI), drivers must purchase coverage with an FR-44 filing requirement. FR-44 is similar to SR-22, but usually even more expensive.

When Do You Need an SR-22 in Florida?

You need car insurance with an SR-22 or FR-44 filing requirement if your driver’s license has been (or is going to be) suspended due to committing a serious driving violation — serious enough to earn you a high-risk driver status.

The most common offenses include:

  • Driving under the influence (DUI).
    • Specific to FR-44 in Florida.
  • At-fault accident.
  • Reckless driving or careless driving.
  • Car accident with no insurance.
  • Driving with no insurance.
  • Driving with a suspended license.

How Much Does SR-22 Insurance Cost in Florida?

You must purchase a car insurance policy with an SR-22 filing requirement (or FR-44 in DUI cases) in order to get your driver’s license reinstated.

The cost of auto coverage depends on the types of driving offenses that qualify you for high-risk driver status and driver’s license suspension. For example, a car insurance company typically charges higher premiums if you’re convicted of drunk driving than if you’re convicted of driving with a suspended license.

The cost of SR-22 coverage is based on Florida’s minimum required liability insurance:

  • No Fault/Personal Injury Protection (PIP): $10,000.**
  • Property Damage Liability (PDL): $10,000.**

** These are the minimum requirements for safe drivers with no convictions. Car insurance providers base your SR-22 and FR-44 premiums on these numbers. SR-22 will be more expensive; FR-44 will be infinitely more expensive.

Additionally, drivers required to purchase car insurance with SR-22 filing must also get Bodily Injury Liability (BIL). BIL covers, up to the limits of your policy, serious and permanent injury or death to other people when you cause an accident as well as your legal defense if the injured party sues you.

With that in mind, let’s take a look at what you can expect to pay based on a couple common high-risk driver traffic offenses:

OffenseAverage FL Annual Rate% Increase
At Fault Accident$2,58433.6%
Speeding Ticket$2,46230.5%

Rates After a DUI

Furthermore, these are the average rates you can expect from a few reputable car insurance companies if you need FR-44 filing due to a DUI conviction:

USAA is the most affordable, but it is only available to current members of the military and veterans. State Farm is the next cheapest in the state of Florida if you have a DUI.

Insurance ProviderAverage FL Annual Rate After DUI
State Farm$1,808

As you can see, it’s not easy finding cheap car insurance with a DUI conviction. Consider these auto insurance providers that provide insurance to high risk drivers. Your best bet for more affordable coverage is to start shopping for new auto insurance quotes after your FR-44 filing is over or the DUI is removed from your driving record. Be sure to use BravoDollar’s guide to find the best cheap car insurance in Florida.

How Does SR-22 in Florida Work?

Once the FLHSMV notifies you of your SR-22 or FR-44 filing requirement, expect these steps:

  1. You start shopping for car insurance quotes from providers that offer SR-22 and FR-44 insurance filing.
    1. Generally this applies even if you no longer have a vehicle or aren’t currently driving.
  2. The insurance company will file your SR-22 or FR-44 certification with the FLHSMV for you.
    1. SR-22 and FR-44 filing fees aren’t outrageous. Most auto coverage providers charge around $25.
  3. Keep the SR-22 or FR-44 for the specified time period.
    1. Usually, Florida requires you to keep the certification for 3 years.
    2. After that, you can start getting more affordable quotes from other providers from the best cheap car insurance in Florida.

Final Thoughts

Buying car insurance with an SR-22 or FR-44 filing requirement isn’t fun, but it’s a reality for many high-risk drivers in Florida — at least for 3 years. Once you pay your dues, so to speak, you can start shopping for a more affordable car insurance policy.

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