SR22 Insurance Florida | Get the Lowest Down Payment & Instant Non-Owners Quote

When the State of Florida requires you to file proof of financial responsibility, securing an SR22 filing in Florida can seem complicated and costly.

At Colucci Insurance, we specialize in providing affordable, reliable Florida SR22 insurance quotes, including low-cost non-owner SR22 policies, with the absolute lowest down payment options available. Our goal is to get your Florida license reinstated fast.

Don’t wait—call 1-833-865-3380 today to start your free quote and get back on the road safely. For Online Quote Request 24/7, Click Here.

What is an SR22 Insurance Filing in Florida?

It’s a common misconception that an SR22 is an insurance policy. In reality, the SR22 is a certificate or form that your insurer files electronically with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). It serves as proof of financial responsibility demonstrating you have purchased the state-required minimum liability coverage.

Florida SR22 Insurance Requirements: Understanding the Two Types

Florida is the only state that requires two distinct types of SR22 filings, depending on the reason for your license suspension. This is a critical detail, and out-of-state call centers often get it wrong. Using the incorrect form can lead to a license suspension delay or even a second suspension.

Type of Filing	Reason for Requirement	Minimum Insurance Requirements
1. SR22s (SR22 “S”)	Required for driving without insurance.	$10,000 PIP (Unique to Florida) / $10,000 Property Damage Liability
2. SR22 (Financial Responsibility)	Required for at-fault accidents without insurance or sufficient coverage.	$10,000 PIP / $10,000 Property Damage Liability / $10,000 Bodily Injury Liability per person / $20,000 per accident

Non-Owner SR22 Insurance in Florida: Your Most Affordable Solution

For drivers who are required to carry an SR22 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 SR22 Policy Works

Lowest Cost Alternative: Non-owner SR22 policies are significantly cheaper than standard policies because they cover you (the driver) and your liability, not a specific vehicle. Also they do not contain PIP benefits.
Excess Coverage: This policy acts as secondary or excess coverage. If you borrow a friend’s car, their insurance is primary, and your non-owner policy is secondary, covering you against financial responsibility claims.
Eligibility: You are generally ineligible for a non-owner policy if a vehicle is registered, titled, or garaged in your name.

Why Choose Colucci Insurance for Your SR22 in Florida?

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

The Independent Advantage for Florida SR22

As a premier independent agency, we don’t work for one single insurance company. We represent most of the carriers offering SR22 filings in Florida. This means you benefit from:

Lowest Rates Guaranteed: We shop your quote with multiple companies competing for your business, ensuring you get the absolute lowest possible rate and down payment.
Fast & Correct Filings: As local experts, we guarantee you will receive the correct SR22s or SR22 filing needed for your specific situation the first time, preventing delays in your license reinstatement.

Get Your Florida License Reinstated Today!

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

Contact Us for a Free, Instant SR22 Quote:

Call Now: 1-833-865-3380
Request Online: Florida SR22 Insurance Quotes.
We proudly serve communities across the state, including Tampa, Orlando, Miami, Jacksonville, St. Petersburg, Fort Myers, and all surrounding areas.