When it comes to driving in Florida, having car insurance is not only necessary but also a legal requirement. However, if you have been deemed a high-risk driver due to previous traffic violations, accidents, or DUI convictions, you may require additional insurance coverage known as SR22 insurance. Here, we will discuss everything you need to know about obtaining cheap SR22 insurance in Florida.
What is SR22 insurance?
SR22 insurance is not actually an insurance policy but rather a certificate of financial responsibility that proves you have the required amount of liability insurance in Florida. This certificate is often required for drivers who have had their license revoked or suspended due to serious traffic offenses, such as DUI convictions, reckless driving, or driving without insurance.
Having an SR22 certificate allows high-risk drivers to legally operate a vehicle, but it also comes with additional costs. This is why it’s important to find cheap SR22 insurance in Florida to minimize your expenses.
How does SR22 insurance work?
Once you have been deemed a high-risk driver and need SR22 insurance, you will need to contact an insurance company that offers this coverage. They will then file an SR22 form with the Florida Department of Highway Safety and Motor Vehicles (DHSMV) on your behalf.
Your insurance company will also provide you with a policy that meets the minimum requirements for liability coverage in Florida. You will need to maintain this policy and make all required premium payments to keep your SR22 certificate valid.
How much does SR22 insurance cost in Florida?
The cost of SR22 insurance varies depending on several factors, such as your driving record, age, gender, and location. However, on average, you can expect to pay anywhere from $15 to $25 per month for non-owner SR22 insurance and up to $50 per month for owner SR22 insurance in Florida.
While this may seem like a high expense, it’s important to remember that having an SR22 certificate is often necessary to maintain your driving privileges. Therefore, it’s important to find cheap SR22 insurance in Florida to minimize your costs.
How can I find cheap SR22 insurance in Florida?
There are several ways to find cheap SR22 insurance in Florida:
1. Compare quotes from multiple insurance companies: By obtaining quotes from several different insurance companies, you can find the best deal for your specific situation.
2. Ask about discounts: Many insurance companies offer discounts for various reasons, such as safe driving, bundling policies, or paying in full upfront.
3. Choose a higher deductible: A higher deductible may mean a lower monthly premium, but keep in mind that you will need to pay more out of pocket in the event of an accident.
Frequently Asked Questions (FAQ)
Question |
Answer |
Do all drivers need SR22 insurance in Florida? |
No, only high-risk drivers who have had their license revoked or suspended due to serious traffic offenses need SR22 insurance in Florida. |
How long do I need to maintain SR22 insurance in Florida? |
The length of time you need to maintain SR22 insurance depends on your specific situation. However, it’s typically required for at least three years. |
Can I cancel my SR22 insurance policy? |
No, you must maintain your SR22 insurance policy for the entire length of time required by the Florida DHSMV. |
What happens if I let my SR22 insurance policy lapse? |
If you let your SR22 insurance policy lapse, your insurance company will report this to the Florida DHSMV. This can result in the suspension of your license and may require you to obtain a new SR22 certificate. |
Will SR22 insurance cover damage to my own vehicle? |
No, SR22 insurance only covers damages to other people’s property or injuries they may sustain in an accident. |
Getting cheap SR22 insurance in Florida may seem challenging, but by doing your research, comparing quotes, and asking about discounts, you can find the best deal for your specific situation. It’s important to remember that having an SR22 certificate is necessary for maintaining your driving privileges, so it’s essential to keep your policy up to date and make all required premium payments.
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