SR22 Insurance Florida: Lowest Down Payments & Quick Non-Owner Quotes

When the State of Florida requires you to file proof of financial responsibility, navigating the requirements for SR22 Insurance Florida filings can feel complicated and expensive. You need a partner who understands the specific state laws to get your license reinstated quickly.

At Colucci Insurance, we specialize in providing affordable, reliable Florida SR22 insurance quotes. Whether you need a standard auto policy or a low-cost Non-Owner SR22 policy, we offer the absolute lowest down payment options available.

Don’t wait—call 1-833-865-3380 today to start your free quote and get back on the road safely. You can also submit a quote request 24 hours a day by going here: Florida SR22 Insurance Quote Form

It is a common misconception that an “SR22” is a specific type of insurance policy. In reality, the SR22 is a certificate of financial responsibility that your insurance carrier files electronically with the Florida Deparment of Highway Safety and Motor Vehicles.

This certificate proves to the state that you have purchased the required minimum liability coverage. Once filed, it allows for the reinstatement of your suspended driver’s license.

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. Filing the incorrect form can lead to delays in your reinstatement or even a second suspension.

We ensure you get the exact SR22 Insurance Florida filing you need:

• Reason Required: Typically for driving without insurance.

• Minimum Requirements: $10,000 PIP (Unique to Florida) / $10,000 Property Damage Liability.

• Reason Required: Typically for at-fault accidents where you did not have insurance or sufficient coverage.

• Minimum Requirements: $10,000 PIP / $10,000 Property Damage Liability / $10,000 Bodily Injury Liability per person / $20,000 per accident.

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.

• 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.

The cost of SR22 insurance is not that much mor than a standard policy. You just have to add a filing fee of between $15 and $25 on the average. However most company’s don’t offer SR22 insurance. Fortunately we represent most of the company’s offering SR22 insurance in Florida.

Colucci Insurance is a family-owned, independent agency based right here in Florida. We have been serving our local communities for over 35 years. Avoid the confusion of national call centers and trust a respected, local agency with an A+ rating from the Better Business Bureau.

As a premier independent agency, we don’t work for just one insurance company. We represent most of the top carriers offering SR22 Insurance in Florida. This allows us to:

• Guarantee Lowest Rates: We shop your quote across multiple companies to find the absolute lowest rate and down payment.

• Ensure Correct Filings: As local experts, we guarantee you receive the correct SR22 or SR22s filing the first time, preventing administrative delays.

We are proud to provide SR22 Insurance Florida solutions to drivers across the entire state. No matter where you are located, we can help you get your license reinstated immediately.

We proudly serve the following cities and their surrounding areas:

• Tampa: From our headquarters in Tampa, we help drivers throughout Hillsborough County secure cheap SR22 filings.

• Orlando: We provide fast non-owner quotes for drivers in Orlando and the greater Central Florida region. 

• Miami: Residents in Miami-Dade can rely on us for the specific SR22s filings required by state law. 

•  Jacksonville: We offer the lowest down payments for SR22 insurance in Jacksonville, Tallahassee, Pensacola, Gainesville, Ocala, and North Florida. 

• St Petersburg: Serving our neighbors in St. Pete, Clearwater and Pinellas County with reliable license reinstatement services. 

• Fort Myers: We cover Southwest Florida, including Fort Myers and Cape Coral, with affordable liability options.

• Fort Lauderdale low cost SR22 rates in Broward County.

If you need an SR22 or Non-Owner policy, we are ready to help you find the lowest rate.

Contact Us for a Free, Instant Quote:

• Call Now: 1-833-865-3380

• Request your quote by going here: Florida SR22 Insurance Quotes

Colucci Insurance 1441 E Fletcher Ave #105, Tampa, FL 33612 Providing Florida commercial truck & auto insurance quotes for over 35 years.

What is the difference between SR22 and SR22s in Florida?

Basically the big difference is an SR22s only requires PIP and Property damage liability while an SR22 requires Bodily Injury Liability in addition to PIP and Property damage liability.

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