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

The Zebra
Nov. 15, 2018

If you're required by law to get an SR-22 or FR-44 in Florida, you're not alone. This relatively common insurance requirement is triggered by a driving citation like a DWI conviction, a driving-without-insurance citation, an accident with substantial property damage, a citation for driving with a suspended license, or collecting too many license points.

Finding cheap coverage with an FR-44 or SR-22 in Florida might require some effort, but it's worth the trouble. We examined how much money a Florida SR-22 or FR-44 certificate costs and how to get one — let's take a look.

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How much does Florida SR-22 or FR-44 insurance cost?

SR-22 insurance in Florida tends to be costly. This isn't a direct result of the SR-22 or FR-44 — filing fees usually total $15 to $35 — but a product of the insurance rate increases that come with the issue that made the SR-22 necessary.

Insurance companies charge risky drivers increased rates to account for the increased chance of having to pay out a claim after an accident. The price increase you will receive may depend on the number and severity of citations — below are average insurance rates with an SR-22 or FR-44 certificate in Florida.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,878.19
At-fault accident (>$2,000)$2,558.00$679.81
Speeding (21-25 mph > limit)$2,425.76$547.57
Reckless driving$2,859.12$980.93
Leaving the scene of an accident$2,535.42$657.23

If you are trying to find reasonably priced car insurance with a SR-22 or FR-44, The Zebra is here to help. Enter your ZIP code below to get personalized auto coverage quotes from leading insurers.

Requesting an SR-22 or FR-44 in Florida

For currently insured drivers:

If you already have car insurance, obtaining an SR-22 or FR-44 certificate is straightforward. Just call your auto insurance company ask them to file a SR-22 request for you. If your insurer isn’t willing to file an SR-22 request, you'll need to look for a new insurer.

Currently uninsured?

When applying for auto insurance, you'll need to pay a fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. An SR-22 requirement may disqualify you from being insured by some carriers, while others would be happy to cover you.

Without a vehicle:

Not owning a vehicle makes it tougher to obtain an SR-22 or FR-44, as you will need to show proof of insurance to get a 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 car insurance is usually cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.


Between September and December 2017, The Zebra conducted in-depth pricing analysis using its proprietary quote engine, incorporating data from rating systems and public rate filings. The Zebra analyzed nearly 53 million rates to examine trends for car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

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