Cheapest SR-22 insurance in Florida

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UAIC offers the cheapest SR-22 insurance in Florida at $2,848 per year. GEICO is another affordable option at $2,997 per year. What you pay will depend on your driving record, your location, and the insurer you choose.

SR-22 isn’t an insurance policy on its own. It’s a form your insurer files with the state to show you have the minimum required coverage, commonly needed after a DUI, reckless driving, or a lapse in insurance. Drivers who need an SR-22 are treated as higher risk, so premiums are usually higher than average.

The SR-22 filing period lasts around three years, though your state and the specifics of your violation will determine the exact timeline. Expect your rates to go up right away, but consistent clean driving from here on out is what will gradually bring them back down. While you’re in that window, comparing quotes across insurers can help make sure you’re getting the best rate available to you.

How to keep your costs down during your SR-22 period

Compare quotes from at least three insurers before deciding on one. Rates after an SR-22 vary more than you’d expect – the first offer you get won’t be the most affordable one.
Find out how long the surcharge will apply. Some insurers revisit your rate after three years, others after five. How long you carry the increase can matter just as much as the rate itself.
Stay violation-free. A clean driving record from this point forward is the most effective tool you have for lowering your premium over time.
Keep your coverage active. A lapse while your SR-22 is on file can reset your entire filing period and make you look like an even greater risk to future insurers.
Keeping a clean driving record and comparing quotes at renewal can help lower your rates over time.

What is an SR-22?

An SR-22 is a form your insurance company files with the state to prove you have the minimum car insurance coverage required to drive legally. You may need one after serious driving violations such as a DUI (driving under the influence), DWI (driving while intoxicated), reckless driving or driving without insurance.

An SR-22 is not a type of insurance. It’s a document your insurance company files with the state to verify you’re carrying the legally required coverage. Since drivers who need an SR-22 are flagged as higher risk, premiums tend to climb, and some insurers may turn you away entirely.

How does SR-22 insurance work in Florida?

SR-22 insurance in Florida costs an average of $4,414 per year
UAIC offers the cheapest SR-22 coverage in Florida at $2,848 annually
An SR-22 is a state-required filing that proves you carry minimum car insurance coverage

When do you need an SR-22 in Florida?

You may need an SR-22 in Florida after serious driving violations such as a DUI, reckless driving, driving without insurance or accumulating too many points on your license.

The specific offenses that require one vary by state, but these are the most common:

DUI, DWI or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

What happens if you don’t maintain SR-22 coverage?

Most drivers need to keep an SR-22 on file for about three years, depending on state requirements and the reason for the filing. During that time, your insurance coverage must remain active without any lapses. If your policy is canceled or expires, your insurer will notify the DMV, which can lead to penalties like license suspension, reinstatement fees or an extension of your SR-22 requirement

In many states, any gap in coverage restarts the three-year filing period from scratch – so a lapse halfway through means starting the clock over entirely. It also works against you when you go to re-insure, as a coverage gap signals greater risk to insurers, which can push your premiums higher and narrow the number of carriers willing to take you on.

How much does SR-22 insurance cost in Florida?

Drivers in Florida pay an average of $4,414 per year for SR-22 insurance. That’s $2,658 more than Vermont, the cheapest state for SR-22 coverage, and $1,672 less than Michigan, the most expensive.

Your rate will vary based on the violation behind the SR-22, your driving history and your ZIP code.

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Cheapest SR-22 insurance companies in Florida

UAIC offers the cheapest SR-22 insurance in Florida at $2,848 per year. While SR-22 insurance is usually more expensive than standard coverage, rates can vary significantly between insurers.

The companies below offer some of the cheapest SR-22 insurance rates in Florida.

Company	Average annual premium	Average monthly premium
UAIC	$2,848	$237
GEICO	$2,997	$250
State Farm	$3,190	$266
Mercury Insurance	$4,083	$340
Allstate	$6,296	$525
Progressive	$6,471	$539

Which cities have the cheapest SR-22 insurance in Florida?

Your city or ZIP code can have a considerable amount of impact on your SR-22 rate. Here’s how costs break down across major cities in Florida.

City	Average annual premium
Cape Coral	$3,983
Fort Lauderdale	$5,473
Hialeah	$5,099
Jacksonville	$4,449
Miami	$5,266
Orlando	$4,521
Port St. Lucie	$4,377
St. Petersburg	$5,073
Tallahassee	$3,845
Tampa	$5,674

Will my SR-22 costs go down over time?

Your rates will improve once the SR-22 requirement ends, but they may not fully return to what you were paying before the violation
Most violations stay on your record for three to five years, though a DUI can linger considerably longer depending on your state
Keeping a clean record and shopping around at renewal are the best ways to make sure you’re getting the best rate available to you

What are the minimum SR-22 insurance requirements in Florida?

To legally drive in Florida, the DMV requires you to carry at least:

$10,000 for injury or death per person
$20,000 for injury or death per accident
$10,000 for property damage per accident

These are the legal minimums. Carrying more coverage costs a bit more each month, but it can save you a lot if you’re ever in a serious at-fault accident.

How much does SR-22 in Florida cost with a DUI?

A DUI generally leads to a significant jump in SR-22 premiums, though the exact increase depends on your insurer. The table below shows annual SR-22 rates for drivers with a DUI in Florida.

This table shows two different costs:

SR-22 with one DUI – the estimated annual cost if your SR-22 filing is the result of a DUI conviction, factoring in the rate increase insurers apply after a DUI.
SR-22 filing only – your standard premium plus the SR-22 filing fee, with no DUI on record. If your filing is tied to a different violation, this column gives you a better estimate of what the SR-22 itself adds to your cost.

Company	SR-22 with 1 DUI	SR-22 filing Only
AIG	$8,606	NA
Allstate	$7,017	$6,296
GEICO	$5,325	$2,997
Mercury Insurance	$5,415	$4,083
Progressive	$7,180	$6,471
State Farm	$3,455	$3,190
Travelers	$3,738	NA
UAIC	$4,916	$2,848

How to get the cheapest SR-22 insurance in Florida

The SR-22 filing itself is relatively inexpensive – a one-time fee of $25 to $50. The real cost comes from the high-risk premium insurers attach to drivers who need one. That’s where there’s room to save. Comparing quotes, maintaining a clean record going forward and selecting the right level of coverage can all help bring your rate down. Since premiums for high-risk drivers vary significantly between insurers, shopping around is one of the most effective ways to manage what you pay.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

Shop around. Different insurers price SR-22 coverage very differently. Getting quotes from several companies is the best way to find a competitive rate.
Pay upfront. Paying your full premium at once rather than in monthly installments can sometimes bring the total cost down.
Opt for non-owner insurance. If you don’t own a car but still need SR-22 coverage, a non-owner policy can be 5% to 15% cheaper than a standard one.

Compare insurers that specialize in high-risk drivers

Some insurers specialize in high-risk drivers and may offer much lower SR-22 rates than standard carriers. Getting quotes from multiple companies is often the fastest way to save.

Can you get an SR-22 without owning a car?

If you need an SR-22 but don’t own a vehicle, non-owner SR-22 insurance lets you meet the requirement. It covers the minimum liability needed when you’re behind the wheel of someone else’s car and can help you reinstate your license after violations like a DUI or repeated traffic offenses. Since there’s no vehicle attached to the policy, it tends to cost less than a standard auto policy.

This situation comes up more often than people expect. Many drivers need to show proof of insurance to get their license reinstated after a violation, even when they don’t own a car. Non-owner SR-22 insurance exists precisely for that scenario.

Is SR-22 insurance expensive in Florida?

Because an SR-22 requirement follows a serious violation like a DUI, reckless driving, or a lapse in coverage, insurers classify these drivers as high-risk and price their premiums accordingly.

That being said, rates can vary significantly from one insurer to the next, so comparing quotes is one of the most effective ways to manage your cost. A few other ways to keep premiums down:

Reduce your mileage where possible. Relying more on public transit or carpooling could qualify you for pay-per-mile or low-mileage discounts.
Take advantage of every discount available. Bundling policies, opting for autopay, and completing a defensive driving course are all common ways to lower your rate.
Stay clean from this point forward. It’s the single most impactful thing you can do. A DUI can remain on your record for up to 10 years in many states, but a consistent period of clean driving is what will actually move your premiums in the right direction.

Frequently asked questions

Can you get SR-22 insurance without owning a car?

Yes. Non-owner SR-22 insurance is available for drivers who don’t own a vehicle but still need to meet state insurance requirements. It provides liability coverage when driving someone else’s car and is usually cheaper than a standard policy.

What happens if your SR-22 insurance lapses?

If your SR-22 coverage lapses or your policy is canceled, your insurance company will notify the state DMV. This can lead to penalties such as license suspension, reinstatement fees or an extension of your SR-22 requirement period.

Can you switch insurance companies while you have an SR-22?

Yes, you can change insurers while maintaining an SR-22. Your new insurance company must file a new SR-22 with the state before your old policy is canceled to avoid a lapse in coverage.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 Florida.” Accessed August 2026.
Progressive Insurance. “What is an SR-22?” Accessed August 2026.

Methodology

Insure.com gathered rates from Quadrant Information Services for all 51 states, including Washington, D.C., across two distinct driver scenarios to analyze auto insurance rates across the U.S.

Your zip rate is based on a sample driving profile of a 40-year-old male and female with a good insurance score and no violations, driving a Honda Accord LX with a 12-mile commute and 10,000 annual mileage. Drivers opt for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible. We analyzed 65,756,440 insurance quotes from 195 companies (73 company groups) across 29,159 cities and 34,595 ZIP codes. The national average annual premium is $2,578.

After a violation, the data reflects the same base driving profile – a 40-year-old male and female driving a Honda Accord LX with a 12-mile commute and 10,000 annual mileage, opting for a full-coverage policy with 100/300/100 limits and a $500 comprehensive and collision deductible; but for drivers with a violation on their record and an SR-22 filing requirement. For these rates, we analyzed 95,071,152 insurance quotes from 131 companies (41 company groups).

Read more about our research standards and methodology.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.