FR44 Insurance in Jacksonville, Florida

What’s the Difference Between SR-22 and FR-44 Insurance in Florida?
Let’s break down the key differences between SR-22 and FR-44 insurance requirements for Florida drivers—especially if you’re looking to clear up a DUI or keep your driving privileges after a serious traffic violation.

SR-22 Insurance Requirements:

Designed for drivers with less severe violations, SR-22 acts as a certificate proving you’ve met the state’s minimum liability coverage.
Coverage minimums for SR-22 in Florida usually include:
$10,000 in bodily injury liability per person
$20,000 per accident for bodily injury
$10,000 for property damage liability
$10,000 in personal injury protection (PIP)
FR-44 Insurance Requirements:

Required after a DUI conviction, FR-44 insurance comes with much steeper coverage limits than SR-22.
In Jacksonville and across Florida, the required minimums for FR-44 are:
$100,000 in bodily injury liability per person
$300,000 per accident for bodily injury
$50,000 for property damage liability
$10,000 for personal injury protection (PIP), same as standard
In Simple Terms:

FR-44 = higher coverage, for more serious offenses (like DUI)
SR-22 = lower coverage, for less severe infractions
Both policies ensure you meet state law before that all-important license reinstatement, but FR-44 is designed to protect the public (and you) in the event of a much costlier accident.

Why so much higher for FR-44? Because it’s focused on protecting others if you’re involved in a serious incident, especially one involving intoxication. So if you’re getting back on the road in Jacksonville, make sure you know which form you need—those minimums make a big difference if you ever need to file a claim.

Florida SR-22 and FR-44 Insurance: Coverage Requirements
If you’re dealing with an SR-22 or FR-44 filing in Florida, it’s important to understand how these requirements affect your insurance policy—especially in Jacksonville and all across Duval County.
SR-22 insurance—often needed after offenses such as driving without insurance—requires:

Bodily injury liability: At least $10,000 per person and $20,000 per accident
Property damage liability: At least $10,000
Personal injury protection (PIP): $10,000

FR-44 insurance—usually mandated after a DUI conviction—has much steeper requirements:

Bodily injury liability: No less than $100,000 per person and $300,000 per accident
Property damage liability: At least $50,000
Personal injury protection (PIP): $10,000

In short, FR-44 coverage is significantly higher, reflecting the state’s tougher stance on DUI-related offenses. Bodily injury liability helps pay for injuries to other people if you’re at fault in an accident, while property damage liability covers damage you cause to someone else’s property or vehicle. PIP, meanwhile, pays for injuries to you and your passengers, regardless of who caused the accident.
Understanding these differences ensures that you’ll meet Florida’s specific legal requirements and prevents delays in getting your license reinstated.

What Affects the Cost of SR-22 and FR44 Insurance in Florida?

When it comes to determining the price of your SR-22 or FR44 insurance in Jacksonville, several important details come into play beyond just your driving history. Insurance companies look at a whole picture to calculate your rate, including:

Your credit score
The kind of vehicle you drive
Your age
Your ZIP code

You may also qualify for certain discounts, and every insurer has their own way of weighing these factors. Because no two companies rate the same, shopping around with well-known names like GEICO, Progressive, and State Farm can help you find the lowest price available for your situation.
Gather a few quotes and see how the numbers stack up before making your decision—you could end up saving quite a bit each month.
Average FR44 Insurance Rates in Florida
If you’re wondering what to expect when shopping around for FR44 insurance in Florida, here’s a quick overview of typical annual rates based on leading insurance providers:

Liability-only policies: Rates start around $2,100 per year, with several major companies offering rates between $3,200 and $4,400. Some carriers may quote even higher, especially if you have additional risk factors on your record.
Full coverage policies: These can range from approximately $3,200 to over $9,000 annually, depending on the insurer and your specific circumstances. Statewide averages tend to be about $4,300 for liability and roughly $6,700 for full coverage.

Of course, your individual quote will vary based on your driving history, location in Jacksonville, and the insurance company you choose. That’s why it pays to compare rates and ask about monthly payment options—ensuring you get the lowest rate available for your FR44 or SR22 insurance policy.

What Personal Factors Influence FR44 and SR22 Insurance Rates in Florida?
When it comes to determining your FR44 or SR22 insurance premium in Jacksonville—and throughout Florida—a few key personal details come into play. Insurers look beyond your driving history to assess your overall risk, using factors that can make a noticeable difference in what you pay each month.
Some of the most important personal factors include:

Credit Score: Many companies use your credit profile as one of the tools to predict insurance risk.
Type of Vehicle: The make, model, and year of your car can impact your rates. A newer or higher-value car may cost more to insure.
Age and Experience: Younger drivers or those with less experience typically see higher rates.
ZIP Code: Where you live matters. Residents in certain Jacksonville neighborhoods may pay more or less depending on local traffic and claims trends.
Eligible Discounts: Qualifying for things like good driver discounts, multi-policy bundles, or safe vehicle features can help lower your premium.

Because every insurance company—whether it’s Progressive, GEICO, State Farm, or Allstate—weighs these factors a bit differently, your best bet for a budget-friendly policy is to shop around and compare quotes before making a decision. This way, you’re more likely to lock in the best rate for your unique situation.

Who Offers the Most Affordable SR-22 Insurance in Florida?

If you’ve had a major driving violation—like reckless driving or a hit-and-run—you’re probably searching for affordable SR-22 insurance in Jacksonville. Fortunately, several well-known insurance carriers provide SR-22 policies at competitive rates, even if your record isn’t spotless.

For Jacksonville drivers, some of the lowest annual rates for SR-22 liability insurance are often found with companies like State Farm and Geico. These companies are known for competitive pricing, with average monthly premiums that are typically lower than many others.

Here’s a quick look at how companies tend to stack up for SR-22 coverage after a major violation:

State Farm: Frequently offers some of the most affordable annual rates for liability and full coverage SR-22 policies.
Geico: Known for competitive pricing, especially for drivers who need to file an SR-22.Bristol West, Progressive, UAIC, Direct Auto, and Allstate: Also provide SR-22 policies, though their premiums may run higher compared to others.
On average, SR-22 insurance costs are higher after a serious violation, but with careful comparison shopping—and our team’s guidance—you can still find an option that won’t break the bank.

What Counts as Major Violations for SR-22 in Florida?

In Florida, certain serious traffic offenses—beyond just DUI convictions—can lead to the requirement of an SR-22 form. Major violations include offenses such as reckless driving, fleeing the scene of an accident (hit-and-run), driving with a suspended license, or being involved in a serious at-fault accident without insurance. These infractions signal to the state that you’re a high-risk driver and must carry specialized insurance before getting your license reinstated.

If you want to see what your specific rates could be, get in touch with us for a free quote. We’ll take the hassle out of comparing companies and help you find Jacksonville’s best price for the coverage you need.

What Are Minor Offenses Requiring an SR-22 in Florida?

In Florida, certain minor traffic violations can trigger the need for an SR-22, even if they aren’t related to a DUI. Common examples include:

Driving without valid auto insurance
Operating a vehicle with a suspended license or registration
Failing to pay traffic tickets or appear in court
Being involved in an accident without proper insurance coverage
If you’ve found yourself facing any of these situations in Jacksonville or Duval County, you may need to file an SR-22 before your driving privileges can be restored.