If you’ve had some blotches on your driving record in the past few years, you may be seeking SR-22 insurance. An SR-22 is not insurance of itself, but rather certification from your insurance company that you are carrying the proper coverage.
Let’s say a 40-year-old married female with a DUI on her record in the past 1-3 years, driving a 2015 Ford Taurus, is seeking a quote. Here’s what she might expect from SR-22 insurance in Florida:
* quotes obtained using the following profile: 40-year-old married female with a DUI in the past 1-3 years driving a Ford Taurus.
Explore SR-22 Insurance in Florida
Tip: compare 2-3 companies
Best SR-22 Insurance in Florida:
- Best Overall SR-22 Insurance in Florida: Staybull Insurance
- Cheapest in Florida: SR-22 Insurance Florida
- Best for Simplicity: Great Florida Insurance
- Best for Quick Coverage: The General
- Best for License Reinstatement: Florida FR-22 Insurance
What is SR-22 Insurance?
An SR-22 isn’t coverage itself, but a guarantee from your insurance carrier that you are properly protected. Specifically, it’s a form filed with the state of Florida as evidence of financial responsibility. It is also a promise to the state that your insurer will issue a notice if you are no longer carrying enough coverage.
How easy this is to obtain depends on your specific insurer. If you already have an insurance policy, your insurer may simply add on the SR-22. However, if you’re not insured, now is the time to benefit and learn more about car insurance. When it’s time to get a quote, you won’t have to leave this page. Check out your options here.
There are several reasons why you might have to get an SR-22. These include:
- Reckless or negligent driving conviction
- DUI, DWI or other alcohol-related conviction
- Driving without insurance or being involved in an accident without coverage
- Several convictions within a short time period
- Needing to reinstate your driver’s license after a suspension or revocation
As we’ve noted, the phrase SR-22 insurance is actually a bit of a misnomer. SR-22 is an add-on to an insurance policy. Technically, it’s not the reason that your rates will increase (because they will) – that increase is due to the fact that you have had some trouble with your driving privilege. Keep in mind that some companies will straight-out refuse to insure you or issue you an SR-22, so you’ll need to find a company or an insurance agent who will be able to connect you to the coverage you need.
You also need to know that with an SR-22, your car insurance premiums will almost certainly increase. That said, this is not a guarantee of higher costs. You’ll need to get a quote in order to know exactly what you’re looking at when you go to get coverage.
When you contact your insurance agent to add an SR-22 to your policy or to get a quote on coverage with an SR-22, make sure you have this information available:
- State of residence
- Driver’s license number
- Date of birth
- Social Security number
- Date your license was suspended, if applicable
- Any other information you feel is relevant
While many companies can get you back on the road in a matter of minutes or hours, technically it can take up to 2 weeks for the Department of Motor Vehicles to process your SR-22. During the 3 to 5 years you must maintain an SR-22, you have to maintain continuous insurance coverage and be careful of any driving violations. Make sure you don’t miss any insurance renewals or you could not only lose your SR-22 but your license again.
Laws Specific to SR-22 Insurance in Florida
Florida laws hold that SR-22 drivers must hold $10,000 of bodily injury coverage for a single person, $20,000 if 2 or more are injured and property damage in the amount of $10,000.
There are 3 types of SR-22 forms that may be required. Which one you need depends on the reason for your conviction.
- Standard SR-22: Mandated for 3 years after you’ve had an accident or suspended license while uninsured
- A 6-month noncancelable SR-22: Mandated for 2 years after getting caught driving without insurance
- An SR-22/FR-22: Unlike some other states, Florida mandates that you have both an SR-22 and FR-22 if you have certain convictions, including a DUI, an accident caused by an uninsured driver, or a history of reckless driving. The Department of Motor Vehicles will let you know if you need this. There is a one-time $25 filing fee.
Florida has 2 types of SR-22 insurance:
- Owner SR-22 insurance: If you operate or own a vehicle, this pertains to you — it’s basically your standard-issue policy along with the SR-22 form.
- Nonowner SR-22 insurance: On the other hand, if you don’t usually drive or own a vehicle, this applies to you. It’s less pricey, but it covers less than your standard SR-22, for example, medical expenses are not included.
Best Auto Insurance for SR-22 Coverage in Florida
If you’re ready to do some comparison-shopping, Benzinga has our picks for the best SR-22 insurance in Florida. Remember to do your research as you compare — everyone’s situation is different, so something that might work for one person might not apply as well to another.
1. Best Overall: Staybull Insurance
As an SR-22 specialist, Staybull is an independent company that provides coverage from carriers including Infinity, National General, Progressive, Foremost and Dairyland. Seasoned guides help you through the SR-22 process as staff members are experts in their field. Staybull also provides FR-22 filings.
It covers the entire state of Florida and offers 7-days-a-week customer service as well as instant proof of coverage via email.
2. Cheapest: SR-22 Insurance Florida
With policies starting at $9 per month, it doesn’t get more affordable than SR-22 Insurance Florida. This independent agency promises that it can almost always provide coverage and has the backing of 12–18 programs offered by a variety of carriers.
Its website is simple to navigate and even funny at times: “Nobody will know that you don’t like the offered car insurance settlement if you just fume silently,” it says. “Car insurance in Florida is not a business of psychics.”
3. Best for Simplicity: Great Florida Insurance
Great Florida’s website is both comprehensive and easy to understand. It offers the information you need when you need it. It is upfront with the fact that not every insurance carrier will be able to offer you coverage. It claims that it can find you the one who will be able to do this.
An independent insurance agency, Great Florida is able to connect you to the right company at the right time with your individual needs in mind.
4. Best for Quick Coverage: The General
The General promises a quote in 2 minutes and coverage in 10. It’s hard to find more rapid coverage than that.
The General provides instant proof of insurance so that you can drive with confidence. The company is also experienced with working with those who have had lapses in coverage or a blotchy driving record.
With flexible payment plans and policies made to match your needs, you won’t just get quick coverage — you’ll get the coverage you can trust.
5. Best for License Reinstatement: Florida FR-22 Insurance
If the Florida FR-22 website is to be believed, you can get your license back in half an hour, including policy binding, electronic filing with the Florida Department of Motor Vehicles, and receipt of your policy complete with the Florida FR-22 Certificate included.
This is a great relief, especially if you need to be driving today. The company provides coverage for those with excessive violations, no prior insurance, DUI-related offenses and insurance without a vehicle.
How Do I Get the Best SR-22 Coverage in Florida?
Now that you better understand the SR-22 landscape in Florida, you should be well equipped to choose the coverage that works best for you. It’s important to read all the associated literature that comes with any policy before making a commitment so that you won’t have any regrets after signing on the dotted line. And, don’t be afraid to ask as many questions as you wish – any company that you want to work with will be glad to provide the information you need.
Finally, it’s a good idea to ask your friends and family about their own experiences with SR-22 insurance in Florida. They may have recommendations that will help you. Armed with complete information, you should be able to find what you need — now when you need it most.
Frequently Asked Questions
1) Q: By law, what types of car insurance do I have to have?
(almost all — not NH) All states require you to carry liability insurance on your vehicle. Your state may require additional auto insurance coverage. Limits are expressed: Amount for injuries per person/amount for injuries total per accident/amount for property damage per accident.
2) Q: Should I have just the minimum amount of car insurance required by my state?
It’s a good idea to purchase more than the state minimum of any type of insurance. State minimums are set relatively low to keep insurance affordable, but in the case of an accident, you can deplete your minimums quickly with expensive medical and property damage costs. Once your bills extend past the minimums, you’ll personally be liable for additional costs and damage. Get the coverage that makes sense for you here.
3) Q: How does my personal credit play a role?
Insurance carriers run credit scores to help determine policy premiums. Your insurance rates will likely be lower if you have an excellent credit score. On the other hand, your insurance rates may be higher if you have a poor credit score. Insurance companies believe credit scores are an indicator of whether you’ll make your insurance payments on time and credit scores combined with other data can be predictive of risk. Check out the best companies for all credit scores now.