Estimates, not quotes

SR-22 insurance in St. Petersburg, FL

What an SR-22 costs in St. Petersburg, 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 St. Petersburg

For comparison, a clean-record driver in their 30s pays about $1,155 for minimum coverage and $2,425 for full coverage in St. Petersburg by our estimate.

SR-22 insurance — estimated annual premium in St. Petersburg
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$1,435$2,985+24%
After an at-fault accident$1,700$3,545+47%
After a DUI$2,160$4,515+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 St. Petersburg

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Insurance offices in St. Petersburg

There are 28 insurance offices listed near St. Petersburg. See the full list with directions on the St. Petersburg car insurance page.

  • CX Insurance Services 360 Central Avenue
  • Merrill Lynch
  • Insurance Services Group of the Southeast 111 2nd Avenue Southeast
  • Rd Insurance Inc 147 2nd Ave S
  • Saint Petersburg Specialty Insurance 2150 1st Avenue South
  • State Farm 1001 4th Street North
  • Jenny Martin - State Farm 1638 Dr. Martin Luther King Jr St N
  • United Insurance 3004 Central Avenue
  • Progressive
  • Acceptance Auto Insurance 3114 1st Avenue North
  • HH Insurance Group, LLC 3443 1st Avenue North
  • Tyler Andrew - Allstate 3209 30th Ave S

Frequently asked questions

How much does SR-22 insurance cost in St. Petersburg?

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 $2,160 a year for minimum coverage after a DUI in St. Petersburg, and $1,700 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