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Florida SR-22 Insurance Cost Estimator [2026 Update] | Thinkforu

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Florida SR-22 Insurance Cost Estimator [2026 Update]
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Florida SR-22 Insurance
Cost Estimator 2026

Get your personalized premium estimate in under 30 seconds. No personal details needed. Just accurate, real-time Florida market data.

FLORIDA 2026 DATA

SR-22 Quick Quote

Tap to adjust your estimate

$3,680
Estimated Yearly Premium
Why do you need an SR-22? Do you own a car?
City Risk Level
RURAL AVERAGE MIAMI/TAMPA

*Estimates include the $25 Florida filing fee. Actual rates vary by carrier.

What is Florida SR-22 Insurance?

Actually, an SR-22 is not insurance. It is a digital certificate (Form SR-22) that your insurance company files with the Florida HSMV. It proves that you carry the state’s minimum required liability insurance ($10k/$20k/$10k).

Pro Tip: If you have a DUI, Florida usually requires an FR-44 instead, which has much higher coverage limits.

Step-by-step guide to use Florida SR-22 Insurance Cost Estimator 2026 - Thinkforu

Infographic: 3 Simple Steps to Estimate your Florida SR-22 Insurance Premium by Thinkforu

Guided by Thinkforu

How to Use the Florida SR-22 Estimator

1

Select Violation

Pick your specific case (DUI, No Insurance, etc.). The Thinkforu algorithm adjusts the risk multiplier instantly.

2

Choose Ownership

Toggle between 'Own Car' and 'Non-Owner'. Hint: Non-owner is the fastest way to save if you don't have a vehicle.

3

Check Your City

Slide the location bar. Rates in Miami or Tampa are naturally higher due to Florida's 2026 high-traffic data.

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Thinkforu Privacy Promise: This estimator does not store cookies or require any sign-up. Your quote is generated 100% locally on your browser.

How to Reinstate Your License (3 Steps)

1

Get a Quote

Use our estimator to see your 2026 market rate.

2

Purchase Policy

Buy an 'Owner' or 'Non-Owner' SR-22 policy.

3

State Filing

The insurer e-files with Florida HSMV instantly.

Compare Your Filing Options

Florida SR-22 costs vary based on your vehicle ownership status.

Feature Owner SR-22 Non-Owner (Savings)
Best For... People who own or lease a car Drivers without a car needing a license
2026 Avg. Cost $2,700 - $5,500/yr $800 - $1,400/yr
Required Limits 10/20/10 + PIP/PDL 10/20/10 Liability Only
Filing Speed Same Day (Electronic) Instant (Electronic)

Which one should you choose?

If you don't own a vehicle, the Non-Owner SR-22 is the legal "loophole" to save thousands in Florida.

Save Up to 65%

Florida SR-22: Frequently Asked Questions

Clear answers to your most common 2026 insurance questions.

1. How long do I need to carry an SR-22 in Florida?

In Florida, you are typically required to maintain an SR-22 for 3 consecutive years. If your policy cancels or lapses during this time, your insurer is legally bound to notify the HSMV, and your license will be suspended immediately.

2. What is the difference between SR-22 and FR-44 in Florida?

While both are certificates of financial responsibility, an FR-44 is required specifically for DUI convictions and requires much higher liability limits (100/300/50), whereas an SR-22 is for general points or non-insurance violations with lower limits (10/20/10).

3. Can I get an SR-22 if I don't own a car?

Yes! This is called a Non-Owner SR-22 policy. It is the most affordable way to reinstate your license if you do not have a registered vehicle in your name. It covers you while driving vehicles you don't own.

4. How much is the filing fee for SR-22 in Florida?

Most Florida insurance companies charge a one-time filing fee ranging from $15 to $50. This is separate from your monthly premium and is paid when the policy is first issued.

5. Does Florida accept SR-22 out-of-state filings?

Yes, if you move out of Florida, you must still maintain your filing. However, the policy must meet Florida's minimum requirements, and your out-of-state insurer must be licensed to file in Florida.

6. Which Florida companies offer the cheapest SR-22?

For 2026, State Farm and Progressive are currently the most competitive for owner policies. For non-owner policies, local specialty insurers often provide the best rates.

7. How quickly can my license be reinstated after filing?

Since Florida uses an electronic filing system, most insurers can have your certificate in the HSMV database within 24 hours. Once the state receives it, you can usually pay your reinstatement fee and get back on the road the same day.

Note: All estimates and answers provided are for educational purposes based on 2026 Florida insurance laws. No login or registration required to view this information.

How We Verify Our Data

At Thinkforu, accuracy is our priority. Our 2026 Florida SR-22 cost estimates are cross-referenced monthly with real-time quotes from top Florida carriers and the latest HSMV filing fee updates. We provide this data 100% anonymously to help you make informed financial decisions without the risk of spam or unwanted calls.

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