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If you’re in need of cheap SR22 car insurance in Florida, you’re not alone. Many drivers find themselves in a situation where they require an SR22 filing due to a DUI or other serious driving violation. However, finding affordable SR22 insurance can be a challenge. Fortunately, there are several ways to compare quotes and find the best rates for your needs.

1. Compare Quotes with Agents: One of the most traditional ways to obtain SR22 insurance is by working with an insurance agent. Agents can help you compare quotes from multiple insurance companies and find the best coverage for your specific situation. They can also provide personalized recommendations and answer any questions you may have.

2. Compare Quotes with Brokers: Insurance brokers work with multiple insurance companies to find you the best rates. They can help you compare quotes from different carriers and find the most affordable SR22 insurance policy for your needs. Brokers can also provide expert advice and guidance throughout the process.

3. Compare Quotes with National Carriers: National insurance carriers often have competitive rates for SR22 insurance. By comparing quotes from national carriers, you can ensure that you’re getting the best possible coverage at the most affordable price. National carriers also typically have strong financial stability and customer service reputation.

4. Compare Quotes with Online Comparison Sites: Online comparison sites can be a quick and easy way to compare quotes from multiple insurance companies. These sites allow you to input your information once and receive quotes from several different carriers. This can save you time and effort in your search for cheap SR22 insurance.

It’s important to put in the work to compare quotes from different sources because rates can vary significantly between carriers. By shopping around and comparing quotes, you can ensure that you’re getting the best possible coverage at the most affordable price. Additionally, comparing quotes can help you identify any discounts or special offers that may be available to you.

Costs for SR22 insurance can vary depending on the insurance company and your individual circumstances. Below are the average costs for SR22 insurance from six popular insurance companies in Florida, broken down by age group:

1. GEICO:

– Under 25: $500-$800 per year

– 25-35: $400-$600 per year

– 35-50: $300-$500 per year

– Over 50: $250-$400 per year

2. Progressive:

– Under 25: $600-$900 per year

– 25-35: $500-$700 per year

– 35-50: $400-$600 per year

– Over 50: $300-$500 per year

3. State Farm:

– Under 25: $700-$1000 per year

– 25-35: $600-$800 per year

– 35-50: $500-$700 per year

– Over 50: $400-$600 per year

4. Allstate:

– Under 25: $800-$1200 per year

– 25-35: $700-$1000 per year

– 35-50: $600-$800 per year

– Over 50: $500-$700 per year

5. Farmers:

– Under 25: $750-$1100 per year

– 25-35: $650-$900 per year

– 35-50: $550-$750 per year

– Over 50: $450-$650 per year

6. Nationwide:

– Under 25: $800-$1200 per year

– 25-35: $700-$1000 per year

– 35-50: $600-$800 per year

– Over 50: $500-$700 per year

Keep in mind that these are just average costs and your individual rates may vary. Factors such as your driving record, age, location, and the type of vehicle you drive can all impact the cost of your SR22 insurance.

If you’re looking for cheap SR22 insurance in Florida, it’s important to shop around and compare quotes from multiple insurance companies. By putting in the work to compare quotes, you can ensure that you’re getting the best possible coverage at the most affordable price. Don’t hesitate to reach out to agents, brokers, national carriers, or online comparison sites to help you find the best rates for your needs.

Here are 14 common questions about SR22 insurance in Florida:

1. What is SR22 insurance?

SR22 insurance is a type of insurance policy that is required for drivers who have been convicted of certain driving violations, such as a DUI or driving without insurance. An SR22 filing is a certificate of financial responsibility that proves you have the required insurance coverage.

2. How long do I need to have SR22 insurance in Florida?

The length of time you need to have SR22 insurance in Florida can vary depending on the specifics of your situation. Typically, you will need to maintain SR22 insurance for at least three years following a serious driving violation.

3. How much does SR22 insurance cost in Florida?

The cost of SR22 insurance in Florida can vary depending on the insurance company, your driving record, age, and other factors. On average, SR22 insurance in Florida can cost anywhere from $300 to $1200 per year.

4. Can I get SR22 insurance without a car in Florida?

Yes, you can still obtain SR22 insurance in Florida even if you don’t own a car. Non-owner SR22 insurance policies are available for drivers who need to maintain coverage but do not have a vehicle of their own.

5. Can I get SR22 insurance online in Florida?

Yes, you can often obtain SR22 insurance online in Florida. Many insurance companies offer online quotes and applications for SR22 insurance, making it easy to get the coverage you need quickly and conveniently.

6. What happens if I let my SR22 insurance lapse in Florida?

If you let your SR22 insurance lapse in Florida, your insurance company is required to notify the state. This can result in the suspension of your driver’s license and other penalties. It’s important to maintain continuous coverage to avoid any issues.

7. How can I find cheap SR22 insurance near me in Florida?

To find cheap SR22 insurance near you in Florida, consider comparing quotes from multiple insurance companies. Reach out to agents, brokers, or use online comparison sites to find the best rates for your specific situation.

8. What is the difference between SR22 and FR44 insurance in Florida?

SR22 insurance is required for drivers with certain driving violations, while FR44 insurance is specifically for drivers convicted of a DUI. FR44 insurance typically requires higher liability limits than SR22 insurance.

9. Can I switch insurance companies with an SR22 in Florida?

Yes, you can switch insurance companies with an SR22 filing in Florida. However, you will need to make sure that your new insurance policy meets the state’s requirements for SR22 insurance before making the switch.

10. Do all insurance companies offer SR22 insurance in Florida?

Not all insurance companies offer SR22 insurance in Florida. It’s important to work with an insurance company that specializes in SR22 filings to ensure that you’re getting the coverage you need.

11. Can I get SR22 insurance if I have a suspended license in Florida?

Yes, you can often obtain SR22 insurance in Florida even if you have a suspended license. SR22 insurance is typically required to reinstate a suspended license, so it’s important to maintain coverage during this time.

12. How can I lower my SR22 insurance rates in Florida?

There are several ways to lower your SR22 insurance rates in Florida, including maintaining a clean driving record, completing a defensive driving course, and comparing quotes from multiple insurance companies to find the best rates.

13. Can I remove SR22 insurance from my policy in Florida?

You can typically remove SR22 insurance from your policy in Florida once you are no longer required to maintain the filing. This often occurs after three years following a serious driving violation.

14. Is SR22 insurance the same as regular car insurance in Florida?

SR22 insurance is similar to regular car insurance in Florida, but it includes an additional filing requirement to prove that you have the necessary coverage. SR22 insurance is typically required for drivers with serious driving violations.
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