If you’re convicted of a crime in Virginia that results in the state revoking your driver’s license, you might be required to file an SR-22 certificate.
An SR-22 is certification of financial responsibility. It confirms to the state that you’re covered by car insurance meeting Virginia’s minimum requirements. This form must be filed before your license can be reinstated.
Here’s what you need to know about obtaining and maintaining an SR-22 in Old Dominion.
The page at a glance…
- Do I need SR-22 insurance?
- How do I file for SR-22 insurance in Virginia?
- How much does SR-22 insurance cost?
- How long will I need an SR-22 for?
Do I need to file an SR-22 in Virginia?
Virginia law may require you to file an SR-22 if your license is suspended due to:
- Unsatisfied judgments.
- Driving without insurance.
- Failing to provide proof of insurance associated with insurance monitoring.
- Falsifying insurance certification.
- Operating a for-hire car without a license.
- A driving conviction for an accident resulting in death or injury.
- Any crime punishable as a felony by the state.
What if I don’t have a car?
Even if you don’t own a car, you’re required to file an SR-22 if you want to get your license reinstated. You’ll likely need to purchase a non-owner or operator insurance policy.
What if I’m from another state?
If you have an SR-22 from another state, you must maintain it while driving in Virginia.
How much does an SR-22 cost?
The fee your provider charges for filing the SR-22 should be around $20 to $50.
But it’s not the filing fee that’s most expensive when you’re required to file an SR-22 — you’ll also typically see higher premiums than you’re used to.
How do I file for an SR-22 in Virginia?
Here’s how to file an SR-22 in Virginia:
- Notify your insurer. If you already have insurance, let your provider know that you need to file an SR-22. Most are equipped to file this form.
- Find an insurer. Not all providers will insure someone who is required to file an SR-22. If yours doesn’t, it’s easy enough to find one that will.
- Pay the SR-22 fee. Your insurer will charge you a minimal processing fee for filing the SR-22 on your behalf.
- Verify minimum liability coverage. Make sure your policy includes Virginia’s minimum insurance coverage:
- $25,000 in bodily injury or death of one person
- $50,000 in bodily injury or death of two or more people
- $20,000 in property damage
- Submit your SR-22. In Virginia, your insurance provider will typically electronically file the SR-22 on your behalf. Ask for confirmation before you get back behind the wheel.
The impact of an SR-22 on your car insurance rates
SR-22s are often required after serious driving conviction, such as driving without insurance or reckless driving. After such a conviction, the state considers you a “high risk” driver, as will most providers — which typically results in higher insurance rates. Still, you’ll find providers out there — like the General — that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase.
How long will I need an SR-22?
In Virginia, you’re typically required to maintain an SR-22 certificate for three years.
Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back a lot of money and time.