SR22 Insurance Lakeland

For over 35 years, Colucci Insurance has been the trusted local expert in providing SR22 insurance in Lakeland. We understand that needing an SR22 filing can be stressful. You might be worried about the cost, the paperwork, or how quickly you can get back on the road. We are here to tell you: it’s easier than you think, and we can help you get there.

As an independent insurance agent who specializes in SR22 insurance in Lakeland., we work for you, not the companies. Unlike captive agents (like State Farm or Geico) who can only quote one company—or may not even offer SR22 filings—we have access to multiple carriers. We will provide you with multiple quotes from the best companies to ensure you aren’t paying a penny more than necessary.

We are proud of our reputation for honesty and speed. You can verify our commitment to excellence by visiting our Better Business Bureau Profile, as well as reading local reviews in our Google My Business Profile.

For Quotes Call 833-865-3380 or fill out our easy to use quote form: Quote Request Form.

Don’t stress over the cost of SR22 Insurance

To Save Money on SR22 Insurance Call Colucci Today!

833-865-3380

It is a common misconception that an “SR22” is a specific type of insurance policy. In reality, an SR22 is not insurance; it is a filing form (certificate) attached to your auto insurance policy. This certificate acts as a guarantee to the State of Florida that you are carrying certain liability coverages.

In Florida, SR22 filings must be filed electronically. At Colucci Insurance, we process these filings instantly to expedite your license reinstatement.

Florida is unique because it requires  two distinct types of SR22 filings depending on why your license was suspended. This is a critical detail that out-of-state call centers often get wrong, which can lead to delays or further suspensions.

      SR22S (SR22 “S”):

1. • Reason Required: Typically required for driving without insurance.

   • Insurance Requirement: You generally only need to carry Personal Injury Protection (PIP) and Property Damage Liability (PD).

     Traditional SR22 (Financial Responsibility):

     • Reason Required: Typically required for getting into car accidents with no insurance or involving bodily injury.

     • Insurance Requirement: This requires higher limits, including Bodily Injury Liability in addition to PIP and Property Damage.

Finding the Cheapest SR22 Insurance Lakeland has to offer comes down to shopping around. Because we specialize in this market, we know exactly which carriers offer the lowest rates for high-risk drivers in Polk County. 

The cost of SR22 insurance is not that much more than a standard policy. You typically just have to add a filing fee of between $15 and $25 on average. However, most companies don’t offer SR22 insurance. Fortunately, we represent most of the companies offering SR22 policies in Florida, allowing us to compare rates and find you the most affordable option.

For drivers who are required to carry an SR22 filing but do not own a vehicle, a Non-Owner SR22 policy is typically the ideal and most cost-effective solution.

How a Florida Non-Owner Policy Works:

• Lowest Cost Alternative: Non-owner policies are significantly cheaper than standard auto policies because they cover you (the driver) and your liability, rather than a specific vehicle. Note: They generally do not contain PIP benefits.

• Excess Coverage: This acts as secondary coverage. If you borrow a friend’s car, their insurance is primary, and your non-owner policy covers you against additional financial responsibility claims.

• Eligibility: You are generally ineligible for a non-owner policy if a vehicle is registered, titled, or garaged in your name.

Getting your insurance is step one. To get your actual plastic license back, you will likely need to handle court costs and reinstatement fees.

Pay Court Costs: You may need to satisfy outstanding fines with the county. You can handle this through the Polk County Clerk of the Circuit Court & Comptrollers Office.

Pay Reinstatement Fees: You will need to pay reinstatement fees to the state. You can view the fee schedule and pay online via the   FLHMSV Drivers License Fees website.

Once you have your SR22 certificate from us and have paid your fines, you can visit a local office to reinstate your license. Here are the Florida Driver License offices in the Lakeland area:

• Lakeland Service Center: 916 N Massachusetts Ave, Lakeland, FL 33801

• Bartow Service Center: 430 E Main St, Bartow, FL 33830

• Davenport Service Center: 2000 Deer Creek Commerce Ln, Davenport, FL 33837

• Lake Wales Service Center: 658 Hwy 60 W, Lake Wales, FL 33853

The cost varies based on your driving history, age, and the type of SR22 required (SR22S vs Traditional). However, the filing fee itself is small ($15-$25). The best way to get an accurate price is to call us for a quick quote.

Prices change frequently, but independent agents generally find the cheapest rates because we check multiple carriers at once. We consistently find the lowest rates for our Lakeland clients by comparing top-rated high-risk insurers.

There is no single “best” company for everyone. The best company is the one that accepts your specific violation and offers the lowest rate. Because we represent multiple carriers, we can match you with the “best” company for your specific situation.

Yes, we offer low down payments and EZ monthly payments on SR22 insurance. We understand that cash flow is important, so we work to keep your startup costs as low as possible.

Right here. By calling 833-865-3380, you can access quotes from the most competitive carriers in the state instantly.

The best way to save on SR22 insurance is to contact independent agents such as Colucci Insurance who not only specialize in SR22 insurance but will provide you with multiple quotes from the best companies. Note: Not all independent agents specialize in or even offer SR22 insurance like Colucci Insurance.

We don’t just help drivers in Lakeland. Check out our other locations for expert SR22 assistance:

• Florida SR22 Insurance

• Tampa SR22 Insurance

• Clearwater SR22 Insurance

• St Petersburg SR22 Insurance

• Fort Myers FR44 Insurance

• Orlando SR22 Insurance

• Jacksonville SR22 Insurance

• Fort Lauderdale SR22 Insurance

• Miami SR22 Insurance

• West Palm Beach SR22 Insurance
• Gainesville SR22 Insurance

Don’t let a license suspension keep you stuck in park. Trust the experience of Colucci Insurance to handle your filing correctly, quickly, and affordably. We have been the go-to experts for SR22 insurance in Lakeland for decades for a reason.

Call us now at 833-865-3380 for your free, no-obligation quote.