Cheapest SR-22 and FR-44 Insurance in Florida
Cheap Florida SR-22 insurance
Geico and Nationwide have the cheapest SR-22 car insurance in Florida. Geico has the cheapest rates after minor violations like driving without insurance. It charges $69 a month for liability
Cheapest minor violation SR-22 insurance
| Company | Monthly liability | Monthly full coverage | LendingTree score | |
|---|---|---|---|---|
 | Geico | $69 | $122 |  |
 | State Farm | $93 | $139 |  |
 | Nationwide | $109 | $179 |  |
 | Direct Auto | $169 | $309 | |
 | UAIC | $197 | $216 | |
 | Allstate | $236 | $352 | |
 | Progressive | $246 | $439 |  |
Geico is cheaper than State Farm by 26% for liability insurance and 12% for full coverage. It also offers a few car insurance discounts you can’t get from State Farm. These include discounts for getting an online quote and going paperless.
Cheapest SR-22 insurance after a major violation
Nationwide has the cheapest SR-22 insurance after major violations like reckless driving. Its rates average $95 a month for minimum coverage and $141 a month for full coverage.
Nationwide also offers gap insurance
Cheap major violation SR-22 insurance
| Company | Monthly liability | Monthly full coverage |
|---|---|---|
| Nationwide | $95 | $141 |
| Allstate | $178 | $301 |
| Direct Auto | $261 | $402 |
| Geico | $266 | $452 |
| Progressive | $270 | $293 |
| State Farm | $285 | $485 |
| UAIC | $307 | $456 |
Florida’s cheapest FR-44 insurance after a DUI
Direct Auto and Geico have Florida’s cheapest FR-44 insurance, which you need after a driving under the influence (DUI) conviction.
Direct Auto has the cheapest minimum FR-44 insurance at $273 a month. Geico has the cheapest full coverage at $408 a month. Geico also has a better satisfaction rating from J.D. Power
Cheap FR-44 DUI insurance
| Company | Monthly liability | Monthly full coverage |
|---|---|---|
| Direct Auto | $273 | $431 |
| Geico | $319 | $408 |
| Progressive | $331 | $484 |
| UAIC | $382 | $409 |
| Nationwide | $414 | $556 |
| State Farm | $415 | $521 |
| Allstate | $705 | $854 |
Best Florida companies for SR-22 insurance
Geico is the best overall company for SR-22 and FR-44 insurance in Florida. It has cheap SR-22s after minor violations and cheap FR-44s after DUIs. It also has a higher satisfaction score than most other companies. This generally means it provides good customer service.
Direct Auto is also good for cheap SR-22s and FR-44s. However, its low satisfaction rating means it doesn’t make its customers as happy as other companies do.
Nationwide is another good company for cheap SR-22 insurance, especially after a major violation. Nationwide’s SmartMiles program is a good choice if you don’t drive very much. The number of miles you drive helps determine your rate.
Best SR-22 companies
| Company | Satisfaction rating
Source: J.D. Power 2025 U.S. Auto Insurance Study. Higher is better.
| LendingTree score |
|---|---|---|
| Geico | 660 | |
| Direct Auto | 608 | |
| Nationwide | Not rated | |
How much is SR-22 in Florida
The price you pay for SR-22 insurance depends largely on your driving record and the amount of coverage you need.
Minimum coverage SR-22 policies range from $160 a month after a minor offense to $237 a month after a major violation. They cost an average of $222 a month if you injure someone while driving without insurance.
The cost of full coverage SR-22 insurance policies ranges from $251 a month to $361 a month. FR-44 rates range from $406 for liability coverage to $523 a month for full coverage.
SR-22/FR-44 rates by driving record
| Driving record | Monthly liability | Monthly full coverage |
|---|---|---|
| SR-22 driving uninsured | $160 | $251 |
| SR-22 injury accident | $222 | $337 |
| SR-22 reckless driving | $237 | $361 |
| FR-44 DUI | $406 | $523 |
How do SR-22 insurance requirements work in Florida?
Florida makes you get an SR-22 or FR-44 certificate to reinstate your driving privileges after certain violations. The certificates show that you have enough liability coverage to drive legally. Your insurance company files it with the state when you buy your policy.
Offenses ranging from driving without insurance to reckless driving can lead to an SR-22 requirement. FR-44s are for DUIs.
You only need minimal bodily injury liability
All Florida drivers need personal injury protection
SR-22 vs. FR-44 insurance requirements
| Coverage | SR-22 minimum limits | FR-44 minimum limits |
|---|---|---|
| Bodily injury liability | $10k per person, $20k per accident | $100k per person, $300k per accident |
| Property damage liability | $10k | $50k |
| Personal injury protection | $10k | $10k |
| Collision | Optional | Optional |
| Comprehensive | Optional | Optional |
How to save on SR-22 insurance in Florida
Shopping around and finding discounts can help you save money on SR-22 and FR-44 insurance.
Why compare SR-22 insurance quotes?
SR-22 car insurance quotes tend to differ by customer. Each company looks at factors like your driving record, credit and location a little differently. They also have different discounts.
Comparing car insurance quotes helps you find the cheapest car insurance company for your situation. It’s good to be honest about your SR-22 or FR-44 requirement to get accurate quotes.
Best SR-22 insurance discounts
Some car insurance discounts are not impacted by your driving record. These include discounts for getting a quote online or setting up automatic payments. A few companies have discounts for certain professional or academic backgrounds.
Most companies apply discounts to your quote based on the information you give them. It’s still good to ask about discounts after you get your quotes. This helps make sure none of them get overlooked.
How we obtained Florida SR-22 and FR-44 car insurance rates
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of more than 160,000 SR-22 and FR-44 quotes for a typical Florida driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Coverage limits
Minimum coverage policies have the minimum liability and personal injury protection limits required for an SR-22 or FR-44 certificate. Full-coverage policies include these minimum limits plus collision and comprehensive coverage.
How we evaluated car insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.