Cheapest SR-22 Insurance Florida
2026 Rate Reductions Available Now
Florida auto insurance rates dropped an average of 8% in 2026 due to legislative reforms. Find the cheapest SR-22 filing and get back on the road today.
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What Is SR-22 Insurance in Florida?
An SR-22 is a certificate of financial responsibility required by the Florida DHSMV after certain driving violations. It's not a type of insurance — it's a form your insurer files with the state proving you have the minimum required coverage.
Important: Florida uses FR-44 (not SR-22) for DUI-related violations. SR-22 is used for other offenses like driving without insurance, reckless driving, or accumulating too many points on your license.
SR-22 Required For
- Driving without insurance
- Reckless driving conviction
- Too many license points
- At-fault accident without insurance
- License suspension reinstatement
SR-22 Requirements
- Florida minimum liability coverage
- $10,000 PIP (Personal Injury Protection)
- $10,000 PDL (Property Damage Liability)
- Must be maintained for 3 years
- Filed by your insurer with DHSMV
How Much Does SR-22 Cost in Florida?
The SR-22 filing fee itself is typically $15–$35. The bigger cost is the higher insurance premium required to maintain it. In Florida, SR-22 drivers typically pay $800–$1,800/year depending on their violation history.
Thanks to Florida's 2024 tort reform legislation, rates have dropped an average of 8% in 2026. If you've been paying SR-22 rates for more than a year, you may be able to find significantly cheaper coverage now.
Get the Cheapest SR-22 Rate Available
Our agents compare multiple carriers to find you the lowest SR-22 rate in Florida. 2-minute phone quote, no obligation.