Florida SR-22 Car Insurance

How Much Does SR-22/FR-44 Cost in Florida?

In Florida, acquiring any driving violations at least once will obligate you to file an SR-22/FR-44 insurance to reinstate your driving privileges. It is a prerequisite that your insurance policy meets the minimum liability requirements of Florida. On the other hand, if you intend to continue driving but don’t own a car, you can apply for non-owner SR-22/FR-44 insurance to garner liability insurance coverage. 

Drivers in Florida who have received driving citations in the past are bound to pay more expensive rates. However, the increase in their car insurance policy in Florida will depend on the severity of the violation.

What is the rate of SR-22/FR-44 Insurance in Florida?

Typically, Florida’s SR-22/FR-44 insurance cost is nearly a tripled amount before a serious citation such as DUI or at-fault accidents. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Florida. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

On the other hand, there are also ways to garner cheap SR-22/FR-44 insurance in Florida. Comparing rates from different car insurance companies will help you identify the one that will lead to more affordable SR-22/FR-44 insurance rates. You can extensively gather information about various policies from other companies and take into account your current driving profile. Additionally, you can hire an agent to help you come up with cheap SR-22/FR-44 insurance in Florida.

Florida implements an average of 50% increase on your auto insurance coverage after processing your SR-22/FR-44 form. Thus, the average rate of SR-22/FR-44 insurance annually in Florida is $3,560. 

Florida SR-22 Car Insurance Rates by Company

There are several SR-22/FR-44 insurance major players in Florida. GEICO, Progressive, and State Farm are some of the few that offer competitive SR-22/FR-44 auto insurance rates in the state. These car insurance companies intensively evaluate your driving history to determine your risk level. Insurers will then give your SR-22/FR-44 car rates upon examining your recent driving profile, location, age, and vehicle type.

Florida SR-22 Car Insurance Rates

CompanyYearly Average RateSR-22 Insurance Rate Per Year
State Farm$1,052$1,244
GEICO$882$2,376
Progressive$3,111$4,059
Allstate$4,154$5,041

One of the most common causes of SR-22/FR-44 car insurance decrease is by paying your policy upfront instead of monthly staggered payments. Additionally, garnering discounts that apply to your driver’s profile can also help minimize the increase in your rates. Taking a defensive driving course in Florida will entitle you to discounts. Lastly, the filing fee for SR-22/FR-44 insurance in Florida costs $15. 

What is SR-22 Car Insurance in Florida?

SR-22/FR-44 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22/FR-44 insurance in Florida. One of which is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22/FR-44 form to DMV, which must be done by your insurer on your behalf.

Florida SR-22/FR-44 Insurance Requirements

How Long Do You Need an SR-22/FR-44 After an Accident?

The span of how long you will need SR-22/FR-44 insurance is measured by the level of your violation or the severity of the damages.  Most of the violations will only render a three-year SR-22/FR-44 insurance requirement. However, for more severe fractions of violations and damages, it can last up to ten years.

Being under SR-22/FR-44 insurance, you will need to be prompt with payments and following the good driver rules. If you fail to do so, it is likely for your driving privileges to be suspended again and your car insurance policy to get canceled. Thus, any lapses can lead to non-renewable policies and driver’s license.

Florida Non-Owner SR-22 Insurance

Three Forms of Financial Responsibility

You will not be eligible for non-owner SR-22/FR-44 insurance in Florida if you have a car that you constantly use owned by another person. But, for those who are qualified for non-owner SR-22/FR-44 insurance, state-required liability insurance will be provided regardless of the kind of car you drive. On a brighter note, non-owner SR-22/FR-44 insurance holders garner cheaper rates in contrast to those under an owner’s policy.

Florida SR-22 Car Insurance

Florida FR-44 Insurance for DUI’s and DWI Citations

FR-44 insurance in Florida is generally a prerequisite for drivers who have been convicted of a DUI or DWI, thus; FR-44 can also be called DUI insurance in Florida. DUI violations in Florida is considered as a serious offense. Thus, being obligated to file FR-44 insurance will reflect more expensive rates than those who are only required to apply for an SR-22.

PIP Coverage Requirement in Florida

Florida Car Insurance Rates After Common Violations

Common CitationAnnual Average Rate (with violation)Annual Average Rate (with no violation)
No Citations$2,303
At-Fault Crash at >$2,000$3,1,66$857
Speeding Ticket (21-25mph above limit)$2,878$538
Reckless Driving$3,498$1,183
Racing$3,477$1,155
Hit-And-Run$3,499$1,189
DUI/DWI$3,386$1,076

How To Get an SR-22/FR-44 Insurance in Florida?

If you have an ongoing car insurance policy, it can be easy to acquire an SR-22/FR-44 in Florida after a violation. Just directly contact your agent or car insurance provider and request them to file SR-22/FR-44 insurance on your behalf. However, there are some insurance companies around California that might refuse your request. Thus, the best thing to do is to look for another company around Florida that can cater to your needs.

Filing a Florida SR-22/FR-44 Insurance for Insured Drivers

If you are insured and want to file SR-22/FR-44 car insurance in Florida, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22/FR-44 insurance. 

Filing a Florida SR-22/FR-44 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22/FR-44 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above.

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for Florida SR-22/FR-44 insurance. It may take a lot of your time and effort but, being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for the physical damage of your vehicle in cases of collision. 

Filing a Florida SR-22 Insurance For Uninsured Drivers

For uninsured drivers who want to file SR-22 insurance in Florida, one thing to consider to garner reasonable rates is by paying upfront or a bi-annual payment option. It will help cover your driver’s profile as a high-risk driver. However, some companies have the right to reject you, but, on a brighter note, there will be some auto insurance companies in Florida who would be willing to take that risk.

The bottom line is, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Florida, which, relatively, the best way to keep your car insurance rate on the average level. 

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