Insurance with an SR-22 or FR-44 in Florida

If you need an SR-22 for auto insurance in Florida, you're not alone. This fairly common legal requirement is prompted by driving violation like a DUI/DWI, a citation for driving with no insurance, an at-fault accident, a citation for driving with a suspended license, or accumulating too many points on your license.

Finding cheap insurance with a SR-22 in Florida might require some effort, but the savings are worth the trouble. The Zebra examined how much money a SR-22 might cost in Florida and how to get one — let's take a look.

How much does Florida SR-22 insurance cost?

Insurance after an SR-22 in Florida is often expensive. This isn’t due to the cost of obtaining an SR-22 certificate — filing fees will usually be $15 to $35 — but because of the insurance premium increases that come with the violation that necessitated the SR-22 to begin with.

Insurers charge high-risk drivers more expensive premiums to account for the increased risk of an accident. The price increase you’ll face depends on the severity and number of your violations — listed below are standard car insurance prices for drivers with SR-22s in Florida.

Rating factorAverage annual rateIncrease vs. no violations
No violations$2,309
At-fault collision (>$2,000)$3,178$869
Speeding (21-25 mph > limit)$2,889$579
Reckless driving$3,508$1,198

If you need cheap car insurance coverage after getting a SR-22, we are here to help. Enter your ZIP code below to receive personalized auto policy quotes from respected insurance companies.

How to easily get an SR-22 in Florida

For currently insured drivers

If you possess an active auto insurance policy, requesting an SR-22 is straightforward. Contact your insurance company and request that the company file a SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from buying insurance from some carriers, while others will sell you a policy.

For drivers without a vehicle

If you don't own a vehicle, getting an SR-22 can be difficult, as you will need to show proof of insurance to get the certificate. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.


we conducted auto insurance rate analysis using its proprietary quote engine, including data from rating systems and public rate filings. The Zebra analyzed nearly 53 million premiums to explore trends related to car insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver