SR-22 insurance in Miami, FL
We file your SR-22 with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) the same day you buy, for drivers across Miami and the surrounding metro.
Call now for your Florida SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
855-882-9012Mon–Fri 9am–7pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadSR-22 and FR-44 filings in Miami-Dade
Miami-Dade County handles more DUI cases than any other county in Florida, and nearly all of them end in an FR-44 requirement rather than a standard SR-22. If your case moved through the Richard E. Gerstein Justice Building or one of the county's branch courts, expect FLHSMV to demand 100/300/50 liability limits for three years.
Why Miami rates run high
Miami is consistently the most expensive auto insurance market in Florida. Dense traffic, high uninsured-driver rates, and litigation volume push premiums well above the state average — often 40 to 60 percent higher than Jacksonville for the same driver profile. Comparing several carriers is not optional here.
Where to reinstate
Miami-Dade drivers reinstate through county tax collector driver license offices, which handle FLHSMV services locally. Bring your DUI school completion certificate, proof the FR-44 is on file, and payment for the reinstatement fee.
Non-owner options
Many Miami drivers rely on transit or a household vehicle titled to someone else. A non-owner FR-44 satisfies the state at full limits for a fraction of the cost of an owner policy.
Miami SR-22 FAQs
Do Miami DUI convictions require an FR-44?
Yes. Any Florida DUI conviction, including those in Miami-Dade County, requires an FR-44 with 100/300/50 liability limits for three continuous years, not a standard SR-22.
How much does SR-22 insurance cost in Miami?
Miami is the priciest market in Florida. Minimum-limit SR-22 coverage commonly runs $110–$240 per month, and FR-44 limits often run $180–$350 per month depending on driving history and vehicle.
Where do I reinstate my license in Miami?
Miami-Dade drivers reinstate at a county tax collector driver license office, which provides FLHSMV services. You will need DUI school proof, the filing on record, and the reinstatement fee.