What Is SR-22 and FR-44 Insurance in Florida? Who Needs It?
SR-22 forms are necessary for significant driving infractions in Florida, such as driving without insurance, whereas an FR-44 form must be submitted for drug- and alcohol-related offenses like a DUI. The cost of insurance following a DUI can be high due to the seriousness of the violation. Florida auto insurance companies are obligated to file either SR-22 or FR-44 forms for convicted drivers, although each provider may have their own guidelines for this procedure.
FLORIDA BASIC AUTO INSUR
Florida’s requirements for SR-
Florida’s FR-44 Requirements
Explore further using MoneyGeek’s Florida auto insurance information or calculate premiums using our Florida auto insurance calculator.
Who Needs SR-22 and FR-44 Insurance in Florida and for How Long?
If you commit any serious offenses, your Florida insurer will require you to file an SR-22 form. Each state has its own list of severe violations that require an SR-22.
SR-22 is not required for minor offenses. However, after an accident or ticket, you should still compare prices from multiple insurance companies to find cheap insurance. Generally, the cost of insurance will be much lower without the need for an SR-22.
The period of three years starts after you get your license reinstated, which leads to the revoking of the temporary license if there is a violation. The severity of your offense dictates how long you need SR-22 insurance, which is usually three years for most drivers.
How Do You Get SR-22 Insurance in Florida?
Car insurance providers file SR-22 certificates on behalf of their customers. This service is provided to drivers who have been convicted of severe offenses, making them high-risk in the eyes of insurance companies. Even if these drivers manage to get SR-22 coverage, they usually end up paying higher rates than before their conviction.
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Florida SR-22 and FR-44 Insurance: Details and Average Costs
Motorists who have a spotless driving history typically shell out an average of $1,043 in contrast to approximately $1,790 annually for the minimum FR-44 insurance coverage following a DUI in Florida. Grave transgressions such as a DUI can raise your vehicle insurance rates, but obtaining the SR-22 form only necessitates a nominal charge. SR-22 insurance carries a higher price tag compared to a regular auto insurance policy due to the gravity of the driving offense.
USAA is the most affordable insurance provider for FR-44 in Florida, specifically catering to individuals with a military background. However, for the minimum DUI coverage, State Farm offers the best option with an average annual price of $1,184. On the other hand, MetLife is the most expensive company, providing similar coverage at an average yearly rate of $2,608.
Cheapest Companies for SR-22 Insurance in Florida
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If you need an SR-22 filed in Florida, you can find the three cheapest insurance companies by comparing rates. There can be a wide difference in the average insurance costs of different carriers. These prices are for a full-coverage policy covering $100,000 in property damage costs, $300,000 per accident in bodily injury costs, and $100,000 per person in liability injury costs, or for a car insurance policy that meets Florida’s minimum requirements.
Key Takeaways
A modest one-time payment of approximately $25 is sufficient for filing an SR-22 or FR-44 form.
The actual cost of SR-22 insurance is higher, particularly when the convicted driver no longer qualifies for “good driver” discounts.
FAQs About SR-22 Insurance in Florida
Provided here are the answers to frequently asked questions about SR-22 insurance in Florida, which can help drivers make an informed decision.
Non-Owner SR-22 Insurance in Florida
If you are found guilty of a serious offense, your driver’s license can be revoked in Florida. Moreover, in order to regain your license and demonstrate that you are insured, you may also have to submit an SR-22 form, even if you do not possess a vehicle, in addition to paying the relevant penalties.
If you don’t have a car but regularly rent one, consider purchasing non-owner insurance policies as they offer a cheaper way to provide proof of liability coverage compared to traditional insurance policies.
Annually, the average cost of a non-owner car insurance policy is approximately $1,648; however, insurance companies in Florida offer policies with different rates. If you need SR-22 non-owner insurance, the most economical option is GEICO, offering a rate of around $522 per year. USAA, the second least expensive choice, provides a comparable policy with an average yearly premium of $564, but it is exclusively available to military members, veterans, and their families.
The Average Cost of Non-Owner SR-22 Car Insurance in Florida
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The prices for non-owner auto insurance plans in Florida, specifically for drivers with a DUI conviction, offer liability coverage up to $100,000 for bodily injuries per accident. There is a $50,000 limit for each individual involved and $50,000 for any property damage that may occur in a covered accident.
Methodology
Rates for the driver with both a clean DUI and record are the same. Our analysis includes quotes from ZIP codes across Florida, gathering quotes for policies that meet the state’s minimum coverage requirements and provide full coverage. We analyzed car insurance premiums from the top nine insurance companies in Florida, provided in partnership with Quadrant and analyzed by MoneyGeek.
Mark Fitzpatrick’s
Mark Fitzpatrick, the senior content director at MoneyGeek with over five years of experience, has been quoted in several publications, including Mashable and NBC News, discussing various insurance topics. He is dedicated to creating personalized content for every buyer, conducting original research, and analyzing the insurance market.
Mark, who obtained a bachelor’s degree from Boston College and a master’s degree in International Relations and Economics from Johns Hopkins University, is enthusiastic about using his expertise in insurance and economics to foster transparency and promote knowledge in financial matters. He is confident in his ability to assist others and is passionate about topics related to money.