Estimates, not quotes

SR-22 insurance in Hialeah, FL

What an SR-22 costs in Hialeah, how Florida handles the filing, and how long it lasts.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Hialeah

For comparison, a clean-record driver in their 30s pays about $1,255 for minimum coverage and $2,635 for full coverage in Hialeah by our estimate.

SR-22 insurance — estimated annual premium in Hialeah
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$1,555$3,240+24%
After an at-fault accident$1,840$3,845+47%
After a DUI$2,345$4,900+87%

Florida rules that apply

Florida uses the SR-22. Your insurer files it electronically with the state; if the policy lapses, the insurer must notify the state, which can suspend your license again. Plan on keeping it for about 3 years. After certain DUI convictions Florida requires the FR-44 instead, with higher liability limits. SR-22 certifies 10/20/10 bodily injury liability; FR-44 certifies 100/300/50 after a DUI conviction. Both must be kept for three years.

Any policy you buy must meet Florida's minimum of $10,000 of personal injury protection (PIP) and $10,000 of property damage liability.

All Florida car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Hialeah

Estimate your own premium

Runs in your browser — nothing you enter is stored or sent to insurers.

Estimated annual premium
—
Per month
—

Insurance offices in Hialeah

There are 7 insurance offices listed near Hialeah. See the full list with directions on the Hialeah car insurance page.

  • Eduardo Carrazana - Allstate 261 Westward Dr
  • Southwestern Insurance Services, Inc. 4375 Palm Avenue
  • Ivan Suarez - Allstate 6955 NW 77th Ave
  • Ana Cue-Farach - Allstate 7902 NW 36th St
  • Hialeah General Insurance 1432 West 49th Street
  • Falero Insurance 5745 Northwest 7th Street
  • Sean Barrios - State Farm 703 Waterford Way

Frequently asked questions

How much does SR-22 insurance cost in Hialeah?

The SR-22 filing itself usually costs a small one-time fee; the real cost is the higher premium that follows the violation. We estimate about $2,345 a year for minimum coverage after a DUI in Hialeah, and $1,840 after an at-fault accident.

How long do you need an SR-22 in Florida?

Typically about 3 years from the date required, but the court or DMV order sets the exact period. SR-22 certifies 10/20/10 bodily injury liability; FR-44 certifies 100/300/50 after a DUI conviction. Both must be kept for three years.

What is an FR-44?

Florida requires the FR-44 certificate after certain DUI convictions. It works like an SR-22 but proves higher liability limits.

Can I get SR-22 insurance without a car?

Yes. A non-owner policy with an SR-22 filing covers you when you drive borrowed or rented vehicles and satisfies the filing requirement in most states that use SR-22.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page