Cheapest SR-22 and FR-44 Insurance in Florida
- Expertise: Auto insurance, home insurance and renters insurance
- Education: University of California-Berkeley (BA in History)
Rob Bhatt is a licensed insurance agent and joined the staff of Lending Tree in 2021. Previously, he spent more than 20 years writing for and editing regional publications in California, Nevada and Washington. Rob enjoys helping readers understand how different coverages work so they can make informed purchasing decisions, and he specializes in producing research-backed content for LendingTree about auto, home and renters insurance. His work has been cited by ABC, Business Insider, MSN and Yahoo.
Geico and State Farm have the cheapest SR-22 car insurance quotes in Florida. Geico’s rates average $67 a month for minimum-liability SR-22 insurance after a minor offense. State Farm’s rates average $100 a month for major offenses.
State Farm also has the cheapest FR-44 insurance in Florida. It charges an average of $183 a month for a minimum-liability FR-44.
Cheapest SR-22 insurance quotes in Florida
Geico has the cheapest SR-22 insurance quotes for Florida drivers with a minor offense. These rates average $808 a year for minimum-liability SR-22 insurance, or $67 a month. Geico’s full-coverage SR-22 rates average $2,496 a year, or $208 a month.
Minor offenses include driving without insurance or with a suspended license or registration.
Minimum SR-22 insurance rates after a minor offense
| Company | Liability annual rate | Full-coverage annual rate |
|---|---|---|
| Geico | $808 | $2,496 |
| State Farm | $1,172 | $2,597 |
| UAIC | $2,200 | $2,935 |
| State average | $2,217 | $5,421 |
| Bristol West | $2,399 | $7,368 |
| Progressive | $2,598 | $5,845 |
| Direct Auto | $2,646 | $8,613 |
| Allstate | $3,699 | $8,090 |
Minimum-liability SR-22 auto insurance covers injuries and damage you cause to others. It also includes no-fault personal injury protection (PIP), which Florida requires for all drivers.
Full-coverage SR-22 car insurance includes collision and comprehensive, which cover damage to your own vehicle. You’ll need both for a car loan or lease, but neither is required by law.
Florida’s cheapest SR-22 auto insurance for a major violation
State Farm has the cheapest SR-22 auto insurance for Florida drivers with a major violation like reckless driving.
The company charges an average of $1,199 a year for SR-22 liability insurance, or $100 a month. Its full-coverage SR-22 rates average $2,643 a year, or $220 a month.
Major violations include reckless driving and hit-and-run.
SR-22 rates after a major violation
| Company | Liability annual rate | Full-coverage annual rate |
|---|---|---|
| State Farm | $1,199 | $2,643 |
| Geico | $1,385 | $3,995 |
| Bristol West | $2,294 | $7,371 |
| Progressive | $2,774 | $6,030 |
| State average | $2,846 | $6,804 |
| UAIC | $3,004 | $3,818 |
| Direct Auto | $4,548 | $13,004 |
| Allstate | $4,721 | $10,765 |
Cheapest FR-44 car insurance in Florida
State Farm has the cheapest FR-44 car insurance in Florida, with liability rates that average $2,191 a year — this works out to $183 a month. State Farm’s full-coverage FR-44 rates average $3,169 a year, or $264 a month.
An FR-44 is also known as DUI insurance. You usually need it to reinstate your driver’s license after a DUI (driving under the influence) conviction.
Florida FR-44 insurance rates
| Company | Liability annual rate | Full-coverage annual rate |
|---|---|---|
| State Farm | $2,191 | $3,169 |
| Bristol West | $3,194 | $6,484 |
| Progressive | $3,226 | $5,153 |
| Geico | $3,292 | $4,978 |
| UAIC | $4,253 | $5,144 |
| State average | $4,290 | $6,694 |
| Direct Auto | $4,373 | $9,750 |
| Allstate | $9,499 | $12,182 |
Florida SR-22 and FR-44 car insurance requirements
SR-22s and FR-44s are forms that prove you meet the state’s enhanced car insurance requirements for certain violations. Your insurance company files the document for you after you buy your policy.
Potential SR-22 violations range from driving without auto insurance to having too many tickets or accidents.
FR-44s are like SR-22s for DUIs. Both forms require you to get specified amounts of liability insurance. The main difference is that an FR-44 requires more coverage than an SR-22.
SR-22 vs. FR-44 insurance requirements
| Coverage | SR-22 requirements | FR-44 requirements |
|---|---|---|
| Bodily injury liability | $10,000 per person/$20,000 per accident | $100,000 per person/$300,000 per accident |
| Property damage liability | $10,000 | $50,000 |
| Personal injury protection (PIP) | $10,000 | $10,000 |
Bodily injury (BI) liability covers injuries you cause to others in a car accident. Property damage (PD) liability covers damage to other people’s vehicles and property. PIP covers injuries to you and your passengers, regardless of fault.
If you injure someone in a car accident, your BI liability covers medical expenses that exceed their PIP limit.
How much is SR-22 and FR-44 insurance in Florida?
The average cost of SR-22 and FR-44 insurance ranges from $185 a month to $567 a month. Your rate depends largely on your driving record and the amount of coverage you need.
SR-22 liability rates for minor violations are on the cheaper end of the range. You’ll pay more for full coverage, especially after a DUI or other major offense.
Average Florida SR-22 and FR-44 insurance costs
| Type of insurance | Liability annual rate | Full-coverage annual rate |
|---|---|---|
| SR-22 minor offense | $2,217 | $5,421 |
| SR-22 major offense | $2,846 | $6,804 |
| FR-44 | $4,290 | $6,694 |
How do I get SR-22 and FR-44 insurance quotes in Florida?
Getting SR-22 or FR-44 quotes in Florida is a lot like shopping for normal car insurance. The main differences are that it costs more and may require a little more time.
Let the companies you contact for quotes know about your filing requirement up front. Some companies don’t offer SR-22s or FR-44s. Plus, those that do often add a one-time filing fee to your rate, usually about $25.
Since each company’s SR-22 and FR-44 insurance rates vary by customer, it’s important to shop around.
Along with your driving record and coverages, the factors that determine SR-22 and FR-44 rates include:
- Your credit
- The type of vehicle you drive
- Your age and ZIP code
- Any discounts you may receive
Each company weighs these factors differently and offers different discounts. To find the cheapest rate for you, compare car insurance quotes from several companies before you buy or renew.
Frequently asked questions
An SR-22 is a form that certifies you have enough insurance to drive legally in Florida. You usually have to get one to reinstate your license or registration after certain offenses. These violations range from driving without insurance to reckless driving. Your insurance company sends your certificate to the state’s licensing department after you buy your policy.
An FR-44 is a certificate that shows you meet the state’s insurance requirements for drivers with a DUI. Just like an SR-22, your insurance company files your FR-44 with the state after you buy your policy. FR-44s require higher liability limits than SR-22s.
Several companies offer nonowner SR-22 insurance to Florida drivers who don’t own a car. Nonowner SR-22 insurance lets you legally drive cars that you borrow or rent, with some restrictions. It also allows you to get your insurance records in order before you buy your next car.