⦁ FLORIDA SR-22 INSURANCE
Florida SR-22 Insurance — Filed Same-Day, Quotes in 3 Minutes
Compare real SR-22 insurance quotes online and get your filing submitted to the Florida DMV the same day. No email. No cell phone number. No spam.
Compare SR22 insurance quotes online from Florida’s top carriers in minutes. No email. No cell phone. No spam. Whether you need cheap SR22 insurance after a DUI, non-owner SR-22 insurance, or commercial SR22 drivers insurance, SunKey’s licensed agents find you real, bindable rates — not estimates.
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ABOUT SR-22 INSURANCE
Introduction to SR-22 Insurance
SR-22 insurance isn’t actually a type of insurance — it’s a certificate your insurance company files with the Florida DMV proving you carry the state’s required liability coverage. It’s typically ordered after a DUI, driving uninsured, multiple violations, or a license suspension. In Florida, it’s also part of getting your license back: you can’t legally drive again until your SR22 is on file. The right SR-22 policy balances three things — legal compliance, real protection, and a premium you can actually afford. SunKey is built to help Florida drivers nail all three in one quote.
SIMPLE PROCESS
How It Works
Get your Florida SR-22 insurance quote in four simple steps. No email. No cell phone. Just fast results.
Enter Basic Info
Tell us your ZIP code, vehicle year, make, and DOB.
Share Your Violation History
Tell us what triggered the SR-22 — DUI, suspension, lapse, or court order.
Compare Real Quotes
See bindable SR22 insurance rates from Florida's specialty carriers in minutes.
We File With the DMV
Buy your policy and SunKey submits your SR-22 to the FLHSMV electronically — usually same day.
FLORIDA LAW
Who Needs SR-22 Insurance in Florida
Florida requires an SR-22 filing for drivers who need to prove financial responsibility after certain violations. You’ll likely need one if you’ve had:
DUI or DWI Conviction
The most common SR-22 trigger. Serious DUI cases may require an FR-44 instead, with higher liability limits.
License Suspension or Revocation
Required as part of reinstatement after suspended or revoked driving privileges.
Driving Uninsured
Caught driving without insurance — or in an at-fault accident while uninsured.
Multiple Traffic Violations
Repeated tickets, reckless driving, or too many points on your record in a short window. That's the legal floor. A SunKey agent can walk you through whether you need an SR-22 or FR-44, and the right coverage limits for your situation.
What We Cover
Types of SR-22 Insurance Coverages
SR-22 Auto Insurance
Standard SR-22 policy for drivers who own a vehicle. Includes the underlying liability coverage Florida requires, with the SR22 certificate filed on your behalf.
Non-Owner SR-22 Insurance
For drivers who need to file an SR-22 but don't own a car. Provides liability coverage when you drive a borrowed, rented, or shared vehicle. Typically the cheapest SR22 option.
Cheap SR-22 Car Insurance
SunKey AutoRater compares specialty carriers — Bristol West, National General, Kemper, The General — to find the cheapest SR22 insurance you actually qualify for.
Commercial SR-22 Drivers Insurance
SR-22 filings for CDL holders and commercial drivers who need to maintain financial responsibility for work vehicles.
FR-44 (Florida DUI Filings)
Required after serious DUI convictions in Florida. Carries elevated liability limits of $100K/$300K/$50K. SunKey handles both SR-22 and FR-44 filings.
SR-22 + Full Coverage
Need collision and comprehensive on top of your SR-22 filing? We bundle the SR-22 certificate onto a full coverage policy if your vehicle is financed or leased.
OUR DIFFERENCE
Advantages of Choosing SunKey for SR-22 Insurance
No email or cell phone required up front
Get real SR-22 rates without handing over your contact info first.
Same-day DMV filing
Most SR-22 filings are submitted to the Florida FLHSMV the same day you buy your policy.
Florida-focused coverage options
We only write in Florida, so we know exactly what Florida drivers — and the Florida DMV — need.
Simple, transactional experience
No pressure calls, no endless follow-ups.
Independent agency
We shop 5+ top SR-22 specialty carriers so you don't have to.
Full coverage support
Owner, non-owner, commercial, and FR-44 filings — all in one place.
SUNKEY AUTORATOR
How to Get a Cheap SR-22 Insurance Quote for Free?
SunKey AutoRater is our purpose-built quoting platform — the fastest way to get a cheap SR-22 insurance quote in Florida without handing over your contact info first.
Compare SR22 insurance rates from 5+ Florida specialty carriers in a single view
No email or cell phone required to start
Real, bindable quotes — not estimates
All Florida SR-22 options including non-owner and commercial
Same-day DMV filing after purchase
Quote in 3 minutes
Drivers ordered by a court or the Florida DMV to prove financial responsibility — usually after a DUI, driving uninsured, multiple violations, or a license suspension or revocation.
Most Florida drivers pay $80–$250 per month. The SR-22 filing fee itself is only $15–$25; the rest is policy cost.
One policy. The SR-22 is a certificate attached to your auto insurance — not a separate plan.
Yes — non-owner SR-22 insurance. It covers you when driving cars you don’t own and satisfies the same Florida filing requirement.
Here. SunKey AutoRater compares top Florida SR22 carriers side-by-side to find your cheapest rate.
Usually three years in Florida, or longer if your case requires an FR-44 instead.
Both are Florida financial responsibility filings. SR-22 certifies the state minimum liability limits. FR-44, required after DUI convictions, certifies higher limits of $100K/$300K/$50K.
Because we’re independent, Florida-focused, fast, and private — real SR-22 rates in minutes without giving up your contact info, plus same-day DMV filing.
Yes. AutoRater pulls live rates from Florida’s specialty carriers in 3 minutes, no email or phone required.
No. SunKey’s Privacy & Speed Guarantee means real SR-22 rates without sharing your contact info.
READY TO GET STARTED?
Get Your Florida SR-22 Insurance Quote Now
Compare real SR-22 rates from Florida’s top carriers. No email. No cell phone. Just fast, accurate quotes — and same-day DMV filing.