The Cheapest SR-22 Insurance in Florida: How to Save After a DUI

Introduction

A DUI conviction in Florida comes with steep financial consequences—including higher car insurance rates and a mandatory SR-22 filing. Many drivers worry that this means years of sky-high premiums, but there are ways to reduce your costs.

If you’re searching for the cheapest SR-22 insurance in Florida, you’re not alone. This guide explains how SR-22 works after a DUI, what affects your rates, and practical strategies to find affordable coverage.

What Is SR-22 Insurance in Florida?

An SR-22 is not an insurance policy. It is a certificate of financial responsibility that your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).

For drivers with a DUI, the SR-22 proves that you carry at least the state’s minimum required liability coverage:

• $10,000 in property damage liability (PDL)
• $10,000 in personal injury protection (PIP)

However, if your DUI was severe or involved injuries, you may instead be required to carry FR-44 insurance, which has much higher liability limits.

How a DUI Affects SR-22 Insurance Costs

A DUI places you in the high-risk driver category, and insurers charge more to cover you. Factors that influence your premiums include:

• Driving record: Multiple violations increase costs.
• Type of vehicle: Luxury or high-performance cars are more expensive to insure.
• Coverage limits: Higher limits mean higher premiums.
• Location: Rates vary across Florida cities.
• Insurance provider: Each company evaluates risk differently.

On average, Florida drivers pay significantly more for SR-22 coverage after a DUI, but comparison shopping can make a big difference.

How to Find the Cheapest SR-22 Insurance in Florida

1. Compare Multiple Insurance Quotes

No two insurers price SR-22 coverage the same way. Some specialize in high-risk drivers and offer more competitive rates. Working with agencies like White Chip Insurance allows you to compare several quotes at once.

2. Ask About Discounts

Even high-risk drivers may qualify for:

• Safe driver discounts (after a clean record period)
• Multi-policy discounts (bundling auto with renters or home)
• Good student discounts
• Defensive driving course discounts

3. Consider Adjusting Coverage Liability-only policies are cheaper than full coverage. If your car is older and fully paid off, switching to liability-only may help reduce costs.

4. Increase Your Deductible

A higher deductible lowers your monthly premium. Just make sure you can afford the out-of-pocket costs in case of an accident.

5. Maintain Continuous Coverage

A lapse in coverage may reset your SR-22 requirement and increase rates even further. Always keep your policy active by paying premiums on time.

SR-22 vs. FR-44 in Florida After a DUI

SR-22 Insurance: Typically required for high-risk drivers without a DUI-related injury or damage case.

FR-44 Insurance: Specifically required for DUI convictions involving alcohol or drugs. It requires higher liability limits ($100,000/$300,000 for bodily injury and $50,000 for property damage).

If you have a DUI in Florida, chances are you’ll need FR-44 insurance rather than SR-22. However, both filings signal high-risk status to insurers.

Final Thoughts

A DUI in Florida makes finding affordable car insurance more challenging, but it doesn’t mean you’re stuck with the highest rates forever. By comparing quotes, taking advantage of discounts, and maintaining continuous coverage, you can secure the cheapest SR-22 insurance in Florida and stay on the path to rebuilding your driving record.

White Chip Insurance specializes in helping high-risk drivers find affordable SR-22 and FR-44 policies across Florida. Use our free online tool today to compare quotes and get back on the road with confidence.