The table below compares auto insurance quotes for a 33-year-old man in Miami without SR-22 coverage against a 33-year-old man with SR-22 coverage and a DUI (driving under the influence) charge, along with the premium increase in rates for each insurer.
Company
Annual average premium
Annual average premium with SR-22 and DUI
Percent increase
USAA
$384
$776
49.48%
State Farm
$700
$1,157
60.50%
Geico
$982
$1,756
55.92%
Allstate
$1,621
$3,109
52.14%
Company |
Annual average premium |
Annual average premium with SR-22 and DUI |
Percent increase |
USAA | $384 | $776 | 49.48% |
State Farm | $700 | $1,157 | 60.50% |
Geico | $982 | $1,756 | 55.92% |
Allstate | $1,621 | $3,109 | 52.14% |
Coverage required for an SR-22 Certificate In Miami
What is an SR-22 Insurance ?
SR-22 is not an actual insurance policy as commonly misconceived. SR-22 is a filing, or an add-on, that is added to a personal automobile liability insurance policy. Not all insurance carriers offer SR-22 filing. An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. This form serves as proof your auto insurance policy meets the minimum liability coverage required by state law.
Miami DMV requires an SR-22 from a driver to reinstate his or her driving privileges following an uninsured car accident or conviction of another traffic-related offense, such as a DUI. An SR-22 insurance certificate is also required for three years for conviction of driving without insurance or driving with a suspended license and up to five years for a DUI.