SR-22 insurance in Florida
In Florida, the SR-22 filing fee is about $15–$25 and most drivers pay $98–$190/month, depending on coverage and whether a DUI requires the higher-limit FR-44. Florida holds the filing for three years from reinstatement.
Florida is unusual: a DUI here triggers an FR-44 instead of an SR-22, which demands much higher liability limits — 100/300/50 versus the state's low 10/20/10 minimum.
Cheapest SR-22 carriers
| Carrier | Est. monthly | Note |
|---|---|---|
| State Farm | $98/mo | lowest minimum-coverage rate in FL |
| Progressive | $112/mo | files fast |
| GEICO | $124/mo | widely available |
| Allstate | $139/mo | agent filing |
How the violation changes the price
How filing works in Florida
In Florida, your insurer files the certificate electronically with the FLHSMV, and which one you file depends on the violation. Most reinstatements use a standard SR-22 tied to Florida's low 10/20/10 minimum limits. But a DUI requires an FR-44 — with 100/300/50 limits, ten times the SR-22's bodily-injury floor. Florida is one of only two states (with Virginia) that uses the FR-44. Both run three years from your reinstatement date.
One Florida rule caught a lot of drivers off guard, and it changed recently. FR-44 (and some SR-22) policies used to be non-cancelable: you had to pay the entire six-month premium up front, and it wasn't refundable if you switched carriers. Effective October 1, 2023, Florida dropped that requirement — you can now pay monthly. The trade-off: your insurer can cancel for a missed payment, with no grace period. Miss one and the FLHSMV is notified within 15 days, your license is suspended, and the three-year clock restarts.
SR-22 vs FR-44 in Florida
What you file comes down to why. For most violations Florida uses a standard SR-22 on its low 10/20/10 minimum, and a clean-record minimum policy averages about $67 a month. State Farm tends to post the lowest SR-22 rate at roughly $98/month, with Progressive close behind. The filing fee itself is a one-time $15–$25 — the certificate, not the coverage.
A DUI is a different animal. The FR-44 forces 100/300/50 limits, and the premium jumps hard — Florida drivers on r/dui and r/Geico report FR-44 quotes around $400 to $544 a month through carriers like Bristol West and Progressive. And the FR-44 rarely travels alone: one Florida driver planning for a DUI was budgeting for the FR-44 and an ignition-interlock breathalyzer at the same time. Stack those, and the DUI's real monthly cost is far more than the fine suggested.
Why Florida is expensive to begin with
Even a clean Florida policy runs above the national average — the state's no-fault PIP system, heavy litigation, and weather risk all push base rates up, and Florida lands among the most expensive states for car insurance year after year, so the SR-22 or FR-44 surcharge stacks on an already-high number. That's why shopping matters more here than almost anywhere. If you don't own a car, a non-owner SR-22 runs about $30–$80 a month (an FR-44 non-owner more). Compare options in our cheapest SR-22 guide, estimate yours with the cost calculator, read the full SR-22 vs FR-44 breakdown, or start with the non-owner SR-22 guide.
Why an SR-22 costs more than your old Florida policy
Florida is a no-fault state, so a legal policy here normally isn't built around liability at all. Every driver must carry $10,000 in Personal Injury Protection (PIP) and $10,000 in property-damage liability — and Florida is unusual in not requiring bodily-injury liability on a basic policy. An SR-22, though, is filed against bodily-injury limits (10/20/10), and an FR-44 against 100/300/50. Getting either means adding coverage most Florida drivers never carried, which is a big reason the SR-22 policy costs noticeably more than the bare PIP-only policy you had before — it's not just a risk surcharge, it's real new coverage.
Getting your license back after a Florida DUI
The FR-44 is one piece of reinstatement, not all of it. Florida also requires you to finish DUI school — a licensed education and substance-abuse course — before your license comes back, pay reinstatement fees to the FLHSMV, and, for many DUIs (a high BAC or a repeat especially), install an ignition interlock device. The IID carries its own install and monthly monitoring fee on top of the FR-44 premium. Budget for all three; drivers routinely underestimate the total because the court fine is the smallest part of it. And the FR-44's three-year clock doesn't start until you're reinstated — so the sooner you finish DUI school and get the filing on record, the sooner it begins running down.
If your Florida filing lapses
Since the non-cancelable rule ended, a missed monthly payment is now the most common way drivers lose coverage. Your insurer notifies the FLHSMV within 15 days, your license is suspended, and the three-year clock restarts from zero. Put the policy on auto-pay. If you've already lapsed, see what happens when an SR-22 lapses and reinstating your license.
A driver who needs an SR-22 in Florida typically pays about: