When you are required to file an SR22 in Florida, it can significantly impact your insurance premiums. An SR22 is a certificate of financial responsibility, which proves that you carry the minimum insurance required by the state. If you’ve been convicted of a serious driving offense, such as a DUI or multiple traffic violations, your insurer will categorize you as a higher-risk driver. This often leads to increased insurance premiums, as insurers assess higher risks and increase rates to compensate for potential claims.
In Florida, the minimum coverage for SR22 insurance includes liability for bodily injury and property damage. However, with a history of violations, it is likely that your insurer will charge higher rates, especially for the first few years of your SR22 requirement. It is important to understand that not all insurers offer SR22 coverage, so you may need to shop around for a provider that specializes in high-risk drivers.
For those looking to keep costs manageable, it is worth researching providers offering sr22 insurance florida to find the best rates. Additionally, maintaining a clean driving record during the SR22 period may help you qualify for reduced premiums once the term ends. If you live in areas like Miami, it might be more expensive due to the higher number of traffic incidents, so it’s useful to consult local insurance agencies that specialize in sr22 insurance florida.