Estimates, not quotes

SR-22 insurance in Miami, FL

What an SR-22 costs in Miami, 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 Miami

For comparison, a clean-record driver in their 30s pays about $1,250 for minimum coverage and $2,625 for full coverage in Miami by our estimate.

SR-22 insurance — estimated annual premium in Miami
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$1,550$3,230+24%
After an at-fault accident$1,835$3,835+47%
After a DUI$2,335$4,885+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 Miami

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Insurance offices in Miami

There are 10 insurance offices listed near Miami. See the full list with directions on the Miami car insurance page.

  • Eduardo Ferraz - Allstate 1110 Brickell Ave
  • Estrella Insurance 2032 Northwest 17th Avenue
  • Ramon Balladares - Allstate 2050 Coral Way
  • Iris Lopez - State Farm 2350 SW 27th Avenue
  • Freeway Insurance 3707 West Flagler Street
  • Estrella Insurance 3701 Southwest 8th Street
  • Jasmin Valiente - State Farm 3675 SW 24th Street
  • Delia Izquierdo Insurance Agency Inc 300 Aragon Avenue
  • Borbolla Insurance Agencies Inc 320 Sevilla Ave
  • Pamela Brumer - Allstate 141 Alton Rd

Frequently asked questions

How much does SR-22 insurance cost in Miami?

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 $2,335 a year for minimum coverage after a DUI in Miami, and $1,835 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