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

Florida SR-22 and FR-44 insurance are state-required filings that verify that a driver has the minimum required liability coverage after specific traffic offenses. Which filing is required depends on the violation.

FR-44 is reserved for DUI convictions and carries 100/300/50 liability limits, while SR-22 requirements depend on the offense.

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.

SR-22 and FR-44 filings usually cost between $25 and $30 when you get them through your insurance company.

If you need high-risk coverage after a DUI, DWI, or hit-and-run, you might find that there are fewer insurance options available. Compare Florida SR-22 vs. FR-44 insurance with our free comparison quote tool.

SR-22 and FR-44 Coverage in Florida Explained

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.

Florida SR-22 Insurance

What is an SR-22 in Florida? A Florida SR-22 insurance is an official document stating you have financial responsibility in case you’re ever in an accident.

In Florida, you’ll need an SR-22 certificate if you have certain driving infractions on your record, such as:

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

If you need SR-22 car insurance in Florida, you can expect to pay higher coverage rates. Learn more about Florida auto insurance.

Additionally, depending on the nature of your driving violations, finding a company that will offer you proper auto insurance coverage may be difficult.

Florida FR-44 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’ll 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’ll have to shop for high-risk insurance.

Read More: Cheap SR-22 Auto Insurance

Florida SR-22 and FR-44 Insurance Cost

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 in Florida.

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 insurance 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

It’s not likely that you’ll 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.

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 is still more affordable at $240 per month.

You’ll 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.

Ways to Save on SR-22 and FR-44 Insurance

To lower SR-22 or FR-44 insurance costs, start by comparing insurers and maintaining a strong insurance record.

Below are tips that can help you pay less each month and still meet Florida’s insurance rules.

• Compare Quotes: Shop around for estimates from different insurers. High-risk premiums can be all over the place depending on the company.
• Raise Your Deductible: If you’re carrying full coverage, picking a higher deductible could mean lower monthly payments.
• Bundle Policies: If you bundle your auto insurance with renters or homeowners insurance, you might score some nice multi-policy discounts.
• Improve Your Credit: If your credit is in good shape, some insurers will reward you with lower insurance premiums.
• Maintain Continuous Coverage: Don’t let your policy lapse. Keeping steady coverage means you avoid surprise surcharges and stay current with Florida’s filing rules.

Check quotes before you renew your policy. Different companies look at risk in their own way, so you might find a better rate.

Keeping a clean driving record can help you qualify for cheaper insurance over time. Important Read: Best Auto Insurance Discounts

Minimum Coverage Requirements in Florida

Having at least the minimum required insurance in Florida helps drivers stay legal and avoid penalties if they get into an accident.

Every driver in Florida must carry at least the minimum amount of car insurance required by the state. These minimums are:

• Personal Injury Protection: $10,000 per person
• Property Damage Liability: $10,000 per crash

You might need to get bodily injury liability coverage after certain accidents or violations, especially if you have to file an SR-22 or FR-44.

Minimum coverage only gives you basic protection after an accident. If you need to file an SR-22 or FR-44 in Florida, you’ll probably need more insurance. The state usually requires these coverage amounts:

• Bodily Injury Liability: $100,000 per person
• Bodily Injury Liability: $300,000 per accident
• Personal Injury Protection (PIP): $10,000
• Property Damage Liability: $50,000 per accident

Florida’s standard minimum coverage does not include bodily injury liability, but you must have it if you file an FR-44. In that case, you also need higher liability limits of 100/300/50.

Drivers in Florida also need to keep $10,000 in Personal Injury Protection (PIP) coverage.

Learn More: Liability Auto Insurance Coverage

Non-Owner SR-22 Insurance in Florida

If you don’t 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. SR-22 non-owner car insurance rates vary significantly from one auto insurance company to the next.

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.

You’ll need $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident, and $50,000 in property damage liability per accident to meet FR-44 requirements in Florida.

Non-Owner FR-44 Insurance in Florida

FR-44 filings come with stricter insurance requirements since they are given to drivers after alcohol- or drug-related driving offenses.

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

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

Many insurers ask drivers with an FR-44 filing to pay six months of premiums in advance. This makes the initial cost much higher than a regular policy.

A non-owner FR-44 policy in Florida can be cheaper for drivers who don’t own a car. Be sure to compare insurers, since each company has different rules and coverage options. If you get a car after having non-owner insurance, you’ll need to switch to a standard auto policy.

Don’t Miss It: Cheap Auto Insurance After a DUI

How can I get SR-22 and FR-44 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.

The nature of your offense dictates how long you’ll 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.

Understanding SR-22 and FR-44 Insurance in Florida

If you are caught with a DUI, are involved 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. Compare SR-22 or FR-44 insurance in Florida by entering your ZIP code into our free quote comparison tool.