Florida is one of only two states that uses FR-44 alongside standard SR-22, and the cost gap between the two is large and well-documented: LendingTree's data shows GEICO's cheapest SR-22 rate after a minor violation at $69 a month, versus Auto Direct's cheapest FR-44 rate after a DUI at $273 a month — nearly four times higher, driven by the FR-44's requirement of double the standard liability limits (100/300/50, per Florida's own procedures manual).
SR-22 or FR-44 — Which Applies to You in Florida
Florida's own FLHSMV documentation ties FR-44 specifically to DUI convictions, requiring 100/300/50 bodily injury liability limits on a non-cancellable policy. If your violation was something other than a DUI — a lapse in coverage, a points accumulation, an at-fault accident without insurance — you're most likely looking at a standard SR-22 with Florida's regular minimum limits, not the stricter FR-44. Don't assume FR-44 applies just because you're in Florida; check your specific suspension notice or conviction type.
What SR-22 Actually Costs in Florida (Non-DUI Violations)
| Insurer |
Reported Rate |
Source |
| GEICO |
~$36/month, cheapest for a no-insurance violation |
ValuePenguin |
| GEICO |
~$69/month, cheapest after a minor violation |
LendingTree |
| State Farm |
~$98/month, cheapest minimum-coverage rate |
MoneyGeek |
What FR-44 Actually Costs in Florida (DUI Convictions)
| Insurer |
Reported Rate |
Source |
| GEICO |
$149/month ($1,793/year), described as $1,282 cheaper than the state average |
Policygenius |
| Auto Direct |
~$273/month, cheapest reported after a DUI |
LendingTree |
| Statewide average (liability-only) |
~$164/month |
Insurify |
| Statewide average (minimum coverage) |
$1,309/year ($109/month) |
NerdWallet |
The spread here is wide even among "cheapest" claims — Policygenius's $149/month GEICO figure and LendingTree's $273/month Auto Direct figure aren't necessarily contradictory, since they may reflect different driver profiles or dates, but it underscores how much shopping actually matters for FR-44 pricing specifically. A Reddit user in r/Insurance described paying "$3+ grand" for a six-month policy through a smaller specialist after "a lot of searching" found few insurers willing to write it at all — a reminder that FR-44 in Florida can get genuinely expensive for higher-risk profiles, and that availability, not just price, can be the real constraint.
Filing Fees Are Similar — The Premium Is What Differs
GreatFlorida Insurance's own guidance notes the filing fee itself is inexpensive for both forms — usually $15 to $25 — and roughly similar between SR-22 and FR-44. The dramatic cost difference between the two isn't the filing fee; it's the underlying premium, driven by the FR-44's doubled liability limits and the DUI risk profile it's tied to.
Who to Actually Call
For a standard SR-22 (non-DUI), GEICO's reported rates at both the no-insurance and minor-violation tiers make it the strongest first call, with State Farm as a close second. For FR-44 specifically, get quotes from at least three insurers given the wide spread between reported "cheapest" figures — GEICO, Auto Direct, and a Florida-specific FR-44 specialist like Breathe Easy Insurance Solutions, which advertises working specifically with "DUI-friendly insurers."
Frequently Asked Questions
Do I need SR-22 or FR-44 in Florida?
It depends on your violation — FR-44 applies specifically to DUI convictions in Florida and requires double the standard liability limits (100/300/50). Other violations typically require a standard SR-22 instead.
What is the cheapest FR-44 insurance in Florida?
Reported figures vary: Policygenius shows GEICO around $149/month, while LendingTree shows Auto Direct's cheapest reported rate at $273/month. Get multiple quotes given this wide spread.
How much does the SR-22 or FR-44 filing fee cost in Florida?
Both are similarly priced, typically $15 to $25, according to GreatFlorida Insurance — the cost difference between SR-22 and FR-44 comes from the underlying premium, not the filing fee.
Why is FR-44 so much more expensive than SR-22 in Florida?
FR-44 requires liability limits of 100/300/50 — double Florida's standard minimums — and is tied to DUI convictions specifically, both of which drive higher premiums than a standard SR-22 for a lesser violation.
Can I get a non-owner FR-44 policy in Florida if I don't have a car?
Non-owner policies exist for both SR-22 and FR-44 requirements in Florida; ask insurers directly whether they offer a non-owner FR-44 specifically, since availability can be more limited than for standard non-owner SR-22 policies.
