Cheap SR-22 Insurance in Florida
Prices reviewed 2026-11-13
Bottom line: Florida is one of the most expensive SR-22 states, and FR-44 policies after a DUI cost even more. Location and carrier choice matter enormously.
Price levelAmong the priciest
Minimum limits10/20/10 (SR-22); 100/300/50 (FR-44)
SR-22 lengthAbout 3 years
Filed withFlorida HSMV
What SR-22 insurance costs in Florida
Florida's high claim and fraud costs keep premiums near the top nationally. Miami-Dade, Broward and Palm Beach are the priciest. SR-22 filers need 10/20/10 bodily injury and property damage liability, while FR-44 filers need 100/300/50, which costs far more.
How to pay less in Florida
- Compare carriers that specialize in Florida SR-22 and FR-44 filings.
- Budget for paying the FR-44 in full on the first term.
- Use a non-owner policy if you don't own a car.
Florida SR-22 rules that affect price
A DUI requires an FR-44, and most other suspensions require an SR-22. FLHSMV processes both.
Florida SR-22 price questions
Why is Florida SR-22 insurance so expensive?
High claim and litigation costs, plus dense traffic in South Florida.
Is the FR-44 much more expensive?
Yes, because its limits are many times higher.
Price levels compare Florida with other states using published 2025 to 2026 industry rate studies. Confirm rules with the Florida HSMV.