Have you been deemed a risky driver and need SR-22 insurance? If so, don’t worry – we’ve got you covered. SR-22 isn’t technically insurance; it’s a certificate of responsibility. This certificate is vital for those who have been deemed risky drivers and ensures that they have the minimum requirement of insurance coverage. In this article, we will provide you with all the information you need to know about SR-22 insurance in Florida.
Cheapest Average SR-22 Insurance Companies in Florida
If you’re looking for the most affordable SR-22 insurance companies in Florida, you’re in the right place. We’ve compiled a list of the companies with the lowest average rates for SR-22 coverage. Take a look:
Overall SR-22 Average Rate by Company
[Insert relevant image here]
SR-22 Insurance Companies with Lowest Cost: Liability Only
[Insert relevant image here]
SR-22 Insurance Companies with Lowest Cost: Full Coverage
[Insert relevant image here]
Cheapest FL SR-22 Insurance Companies, by City
Are you curious about SR-22 insurance rates in different cities across Florida? We’ve got you covered there too. Here is a list of the cheapest SR-22 insurance companies in various cities:
[Insert relevant image here]
Lowest SR-22 Insurance Costs by City: Liability Only
[Insert relevant image here]
Lowest SR-22 Insurance Costs by City: Full Coverage
[Insert relevant image here]
What Offenses Require Florida SR-22 Insurance?
Not all traffic violations result in the need for SR-22 auto insurance, but any offense that results in the suspension of driving privileges will almost always require such a filing. Some of the offenses include:
- Driving Under Influence (DUI)
- Reckless driving
- Causing an accident while uninsured
- Failing to satisfy a court judgment that resulted from an accident
- Failure to provide proof of insurance when stopped for a traffic violation
It’s important to note that if you are convicted of driving under the influence, you will be required to obtain the much more stringent SR44 insurance. Maintaining your SR-22 policy for the years required by the state of Florida will be necessary to maintain driving privileges.
Types of SR-22 Policies in Florida
In Florida, there are three types of SR-22 policies available:
- Auto Owner Policy: This is a standard auto insurance policy that covers a driver on their owned personal vehicle.
- Non-Owners or Operator Policy: This is an auto insurance policy that covers a driver for vehicles that they don’t own. It is a more affordable option and meets all SR-22 and FR44 requirements.
- Motorcycle Policy: This is a standard motorcycle insurance policy with an SR-22 filing attached.
How Do I Maintain Coverage?
Once you have obtained SR-22 insurance, it is crucial to maintain coverage to avoid any issues with your driving privileges. You must ensure that the form is filed with the state within 30 days of notification. Additionally, you must file the form each time your policy renews throughout the duration of the SR-22 requirement, typically 36 months from the date of suspension. Failure to maintain a current SR-22 certificate will result in an automatic suspension of your driver’s license.
How Much Does an SR-22 Cost in Florida?
Filing for an SR-22 requires a nominal fee of $15 to $25. However, the bigger cost comes from the higher policy premiums that result from the impact of the SR-22 on your driving record. Marks on your driving record typically place you in a high-risk pool of drivers, increasing your monthly premium. Insurers may also require you to purchase a year’s worth of coverage upfront.
Moving to or From Florida?
If you are moving to or from Florida, it is essential to maintain the proper filing in the state that imposed the requirement. Make sure to meet the minimum liability insurance requirements of your new state of residence.
FR44 Insurance in Florida
An FR44 insurance policy is similar to an SR-22, but it’s generally only required if you’ve been found guilty of a DUI or DWI. FR44 insurance has greater liability insurance requirements compared to SR-22 insurance. If you need FR44 insurance, make sure your policy meets the necessary liability limits.
Can I Obtain Coverage After the Fact?
If you have caused an accident without adequate insurance coverage, you may be able to avoid a license suspension by fulfilling certain conditions. These conditions include paying any fines imposed due to the accident, obtaining a qualified policy, filing notice with the state, and coming to an agreement for restitution with involved parties.
FAQs
Q: What offenses require Florida SR-22 insurance?
A: Offenses that result in the suspension of driving privileges, such as DUI or reckless driving, often require SR-22 insurance.
Q: How much does an SR-22 cost in Florida?
A: The filing fee for an SR-22 is generally around $15 to $25. However, the impact on your driving record may result in higher policy premiums.
Q: What is FR44 insurance in Florida?
A: FR44 insurance is similar to SR-22 insurance but has greater liability insurance requirements. It is typically required for individuals guilty of a DUI or DWI.
Conclusion
It’s crucial to understand the ins and outs of SR-22 insurance if you’ve been deemed a risky driver. Obtaining the right coverage and maintaining it throughout the required period is essential for maintaining your driving privileges. If you need SR-22 insurance in Florida, we’re here to help. Get started today and discover an easier way to get the coverage you need.
Note: This article has been created using the provided content as a basis and has been tailored to fit our audience’s interests and needs. The original content has been revised and enhanced to ensure it meets our website’s standards.
