Cheap Car Insurance In Florida - State Farm is the cheapest SR-22 insurance company in Florida, averaging $146 per month, or $1,753 per year. That's $2,363 cheaper than the average SR-22 insurance rate in Florida, which is $4,116 a year.
On average, high-risk Florida drivers face some of the highest SR-22 insurance rates in the nation. But we found that State Farm, GEICO, Travelers, and many other auto insurance companies have cheaper than average rates for Florida drivers who need an SR-22.
Cheap Car Insurance In Florida
It is a good idea to compare quotes from different companies before purchasing to find the company that has the cheapest SR-22 insurance for you.
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We found companies that have the cheapest SR-22 insurance in Florida by calculating the average rate for drivers with a suspended license or impaired driving record.
Our driver was a 30 year old male Toyota Camry LE 2017 with credit. We've compiled prices for each ZIP code in Florida for your policy with the following limits:
Some carriers may be represented by affiliates or subsidiaries. The prices given are an example of the cost of the insurance. Your exact words may vary.
SR-22 insurance is not really a type of auto insurance. This is exactly how your auto insurance company provides the government to prove that you have auto insurance that meets the minimum requirements.
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SR-22 insurance in Florida has more minimum requirements than standard auto insurance for drivers with a clean record. If you need an SR-22 in Florida, you will need to have the minimum amount of auto insurance, which is not required for most Florida drivers.
You may need to get an SR-22 in Florida if your license is suspended for too many points. You can get points on your license for driving violations like reckless driving, running a red light, speeding or leaving the scene of an accident without sharing your information.
Florida law may require you to keep the SR-22 on file for up to three years. If you let your car insurance lapse when you have to file an SR-22, you will have to pay fines and drive the SR-22 for a long time.
Florida is one of two states (the other is Virginia) that sometimes requires an FR-44 form instead of an SR-22. Like the SR-22, the FR-44 is the form your insurance company requires, except the FR-44 is usually for serious offenses like DUI or if it's a serious accident.
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We found that GEICO has the cheapest FR-44 insurance in Florida, averaging $149 per month or $1,793 per year — $1,282 cheaper than the average.
FR-44s in Florida have more requirements than SR-22s. An FR-44 holder must have at least the following minimum amounts of auto insurance:
If your license has been suspended in Florida and the state wants you to get an SR-22 or FR-44, here's the process to follow:
People who don't own a car may be required to get SR-22 or FR-44 insurance if they make a mistake in a loaned or leased car.
Auto Insurance Florida
In this case, you should get SR-22 or FR-44 coverage. Homeowners insurance is a basic policy for people who don't own a car. It usually only covers the minimum amount of insurance you would need to file an SR-22 or FR-44 in Florida.
Non-owner's SR-22 and FR-44 insurance works like a standard policy, but it's cheaper because it doesn't include comprehensive or collision coverage (and because people who don't own cars tend to drive less than people who do).
In Florida, the average SR-22 insurance is $343 per month or $4,116 per year. That is expensive, but there are some companies that have very cheap prices.
Florida drivers with suspended licenses must obtain SR-22 coverage. If the suspension is because you got a DUI, you will need to get FR-44 coverage instead.
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After several years, the Florida Department of Motor Vehicles will notify you that you no longer need an SR-22. Now you can tell your company that you no longer need an SR-22 for your policy.
Andrew Hurst is a senior author and auto insurance underwriting expert at His work has also appeared in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Journal, ValuePenguin, and Property Casualty 360.
Anna Swartz is the managing director and auto insurance specialist at, where she oversees auto insurance. Before that, he was a senior staff writer at Mic.com, and a contributing editor at The Dodo. There are more than 17.3 million drivers in Florida. When you go on the road with them, you want to make sure you have the right insurance. Whether you cause an accident or someone hits you, the right insurance can save you from financial loss.
Price is the most important factor for car insurance buyers. We reviewed the average rates for 10 Florida auto insurance companies for different drivers. Comparison shopping is important if you don't want to pay too much. The best car insurance company for you varies based on your driving record, address, past claims and other factors.
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Geico and Ford Farm offer the cheapest rates for the best drivers in Florida, among the companies we reviewed. Even if you don't want to change car insurers, ask your insurance agent to review the rates available to make sure you're getting the best rates you can. Even going paperless on insurance policies and bills can result in a small discount.
State Farm and Allstate are the cheapest companies for Florida drivers with speeding tickets. Speeding tickets and other citations will count as points against your Florida traffic ticket. If you collect enough points your driver's license can be suspended. A speeding ticket has 3 points.
Geico and Insurance Farm are affordable for Florida drivers who have been involved in an accident. Since Florida is a no-fault state, you will have to file a claim on your own insurance. Florida also uses "fault proportionality": If you were at fault for the accident, the jury's award will be reduced by a percentage of your fault. For example, if you were 50% at fault and had $100,000 in damages, you will receive $50,000.
Among the companies we reviewed, Direct General and Geico are likely to offer the best rates for Florida drivers with bad credit. Car insurance companies associate bad credit with a higher chance of filing a claim, so be prepared to be stuck with higher rates. Additionally, the average rate for drivers with bad credit in Florida is nearly $1,000 higher than the national average.
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There is no way to know that adding a teenage driver to your car insurance policy will be a hit in the wallet. With the state average for a teen driver around $3,000 a year (not including parents), getting the best deal is important.
Among the companies we reviewed, Geico and Home Farm have the best rates for drivers who only need Florida auto insurance.
Florida only requires a very limited amount of insurance, and it uses the auto insurance system. If you have been injured in a car accident you will file a claim with your own personal protection insurance (required).
You will be eligible for a PIP discount. The option is no deductible, $250, $500 or $1,000 Deductible is the amount deducted from the PIP check. Above the deductible, is the cost of PIP.
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Basic Florida PIP pays $10,000. Expanded PIP does not exceed $10,000, but pays 100% of medical expenses (instead of 80%) and 80% of lost expenses (instead of 60%). There are still death benefit replacement services available. However, with a maximum of only $10,000, you can quickly reach the maximum PIP amount.
There is also an "extended PIP plan" that pays 100% of medical expenses and excludes lost wages. The option also includes death benefit replacement services.
If you need more than $10,000 in PIP coverage, your insurer may offer "PIP coverage". Here you will choose additional funds such as $10,000, $25,000, $40,000 or $90,000.
Liability insurance is required in Florida to cover damages and to cover the damages of others if you cause an accident. You can also purchase personal injury coverage in case of an accident that injures others.
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Even though Florida is "no fault," you can still be sued in a car accident. You can sue a motorist in Florida if you have suffered serious injuries such as broken bones or severe facial injuries. For this reason, it is important to have a large amount of personal insurance coverage, especially if you have assets that someone may pursue in a lawsuit.
If you have a lot of money and assets like savings and a house, you may be a target of the law. Consider car insurance
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