What are SR-22 and FR-44 insurance in Florida?

If you live in Florida, it’s important to know about your state’s SR-22 and FR-44 insurance laws. SR-22 and FR-44 coverages are necessary if you commit a serious driving infraction, but the rules vary regarding which type of coverage you might need in any given situation.

Several companies in Florida offer coverage for SR-22 and FR-44 filings, but you can assume your auto insurance rates will be higher than average if you need this type of insurance. It will be difficult to find cheap SR-22 auto insurance.

Fortunately, SR-22 and FR-44 filings only cost around $25 to $30 through your insurance provider. However, if you need high-risk coverage because of a DUI, DWI, or hit-and-run, you could have a difficult time finding coverage with an insurance company.

Why would I need SR-22 or FR-44 coverage in Florida?

Most drivers will not need to worry about purchasing SR-22 or FR-44 auto insurance. Still, if you commit specific driving violations, you may lose your license and have to find a company willing to file an SR-22 or FR-44 on your behalf.

What is an SR-22 in Florida?

An SR-22 is an official document stating you have financial responsibility in case you’re ever in an accident. In Florida, you will need an SR-22 certificate if you have certain driving infractions on your record, such as

• Reckless driving
• Multiple traffic violations
• Multiple at-fault accidents
• A hit-and-run
• Driving with a suspended license
• Driving without insurance
• Failure to pay child support

If you need an SR-22, you can expect to pay higher rates for coverage. Additionally, depending on the nature of your driving violations, finding a company that will offer you proper auto insurance coverage may be difficult. Learn more about Florida auto insurance.

What is an FR-44 in Florida?

Similar to an SR-22, an FR-44 is a document stating you have financial responsibility in the event of an accident. The difference between the two certificates is that FR-44 auto insurance specifically relates to drinking and driving or being under the influence of drugs and driving. 

If you receive a DUI or DWI — especially as the result of an accident — you will pay much higher rates for auto insurance. Florida DUI insurance rates are much higher than standard car insurance rates. Unfortunately, you may also find that most insurance companies are unwilling to offer you an auto insurance policy with FR-44, and you will have to shop for high-risk insurance.

How can I get SR-22 coverage in Florida?

You get SR-22 and FR-44 coverage in Florida through your insurance company. Car insurance companies file these documents on behalf of their drivers.

If you need to buy SR-22 or FR-44 coverage, you’ll need to speak with a representative from your insurance company. Find out how to get Geico SR-22 insurance. 

How long will I need SR-22 or FR-44 coverage?

The nature of your offense dictates how long you will need an SR-22 or FR-44. For some offenses, you may only need this specific coverage for a year or two. However, with a DUI or DWI, you could need it for 10 years or more.

The average time you’ll need specific coverage with an SR-22 or FR-44 filing is around three years.

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How much is Florida SR-22 and FR-44 insurance?

Fortunately, it only costs around $25 to $30 annually to file an SR-22 or FR-44 certificate with the Florida DMV.  However, it may be difficult to find cheap auto insurance with an SR-22 or FR-44.

You’ll find that your coverage costs go up significantly once you have specific violations on your driving record.

The average cost of SR-22 insurance in Florida depends on the nature of your infraction and several other factors. For example, the average cost of an FR-44 policy in Florida after a DUI is nearly $3,000 annually, or around $245 per month. 

Monthly Florida SR-22 and FR-44 Insurance Rates by Driving Record

Florida Insurance Company	SR-22 Insurance Rates with Tickets	SR-22 Insurance Rates with Accidents	FR-44 Insurance Rates with DUI/DWI
	$198.76	$242.02	$230.60
	$219.10	$283.35	$311.98
	$283.09	$323.40	$315.48
	$155.34	$122.93	$194.26
	$209.85	$197.68	$282.60
	$119.59	$143.68	$215.43
	$235.02	$277.19	$207.76
	$106.67	$114.59	$106.67
	$226.18	$234.31	$347.20
State Average	$194.89	$215.44	$245.44

It’s not likely that you will find cheap FR-44 insurance in Florida, although State Farm offers the cheapest coverage on average. With State Farm, you’ll pay around $1,380 annually or $115 each month for coverage. Read our State Farm auto insurance review for more information on the company. 

Nationwide and Geico SR-22 insurance in Florida are the next cheapest options, costing around $158 and $160 per month respectively.

Farmers is the most expensive option for SR-22 or FR-44 coverage in Florida. The company charges around $3,688 annually or $307 each month for car insurance. Compare those rates to Progressive SR-22 insurance, which isn’t the cheapest option but still more affordable at $240 per month.

You will never know how much you’ll pay for SR-22 or FR-44 auto insurance until you shop around and compare quotes online. Doing so will help you determine which companies offer coverage at a price you can afford.

What are the minimum coverage requirements in Florida?

In Florida, every driver must meet the state’s minimum requirements for car insurance coverage. Florida’s minimum requirements are

• $10,000 in bodily injury liability per person
• $20,000 in bodily injury liability per accident
• $10,000 in property damage liability per accident
• $10,000 in personal injury protection (PIP) per accident

These minimum requirements do not cover much damage if you’re ever in an accident. As a result, you may need additional car insurance coverage if you file an SR-22 or FR-44 in Florida. The state often requires the following coverage amounts.

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $50,000 in property damage liability per accident
• $10,000 in personal injury protection (PIP) per accident

As you can see, the liability coverage you’ll need with an FR-44 or SR-22 is significantly higher than what the state requires of the typical driver. Consequently, your car insurance rates will cost a lot more.

Non-owner SR-22 Insurance in Florida

If you do not own your own vehicle, you may need non-owner car insurance. Non-owner auto insurance is a good choice if you borrow or rent cars often. Even though coverage typically follows the vehicle, most insurance policies will not cover you if you drive someone else’s car regularly. 

An SR-22 will still be required if you have a suspended license, even with a non-owner policy. 

What’s the average cost of non-owner SR-22 car insurance in Florida?

SR-22 non-owner car insurance rates vary significantly from one auto insurance company to the next. As you shop online and compare quotes, you’ll be able to find the company that works best for your budget when you shop online and compare quotes.

The average cost of non-owner SR-22 car insurance in Florida is $1,648 annually or around $137 each month.

Your rates will be higher if you have a DUI conviction in Florida, because you’ll need $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident, and $50,000 in property damage liability per accident to meet FR-44 requirements.

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FR-44 Non-Owner Insurance in Florida

As stated earlier, the minimum coverage requirements for FR-44 auto insurance are significantly higher than the average Florida policy. In addition, you may also have to pay more money for the following reasons:

• DUI penalties and fines are based on your blood alcohol levels.
• A reinstatement fee can cost anywhere from $150 to $500.
• A six-month FR-44 policy may be required.

Most companies will have you pay a minimum of six months of coverage with an FR-44 all at once. Depending on how much you pay for your FR-44 insurance, this could add up to thousands of dollars.

With an FR-44 non-owners policy, you may find that your rates are a lot lower. You’ll have to shop online to see which companies are willing to offer you a non-owner FR-44 policy. Some insurance companies will have stipulations, so be clear with any company representative about your situation to avoid wasting your time. 

What happens if I get Florida non-owner insurance and then buy a car?

You’ll have to purchase a standard car insurance policy if you buy non-owner car insurance and then get a vehicle. You may be able to get coverage through your insurance company. However, it’s still a good idea to find and compare quotes from multiple insurance companies before making any final decisions. 

Switching to an owner-operator policy will mean higher rates. As soon as you make the switch, you’ll have to pay the difference in car insurance rates. So crunch the numbers before purchasing a car to ensure you can afford the coverage.

What You Need to Know About SR-22 and FR-44 Insurance in Florida

If you are caught driving under the influence of drugs or alcohol, get in several accidents, or are caught driving without proper insurance, you may need SR-22 or FR-44 insurance in Florida. Both types of coverage may require higher levels of coverage, and you can expect to pay high rates for SR-22 and FR-44 insurance. 

The best way to find affordable coverage with an SR-22 or FR-44 is to shop online and compare quotes from several providers. As you do, take note of your coverage options and pay attention to the companies willing to offer the required coverage at an affordable price. 

Before making any final decisions, you can speak with company representatives to see if you qualify for any discounts to decrease your insurance costs. Then, take your time as you shop for Florida SR-22 and FR-44 insurance to ensure you find the best deal possible.

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