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Filing for SR-22 insurance in Virginia

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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 Virginia.

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Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Virginia car insurance.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Do I need to file an SR-22 in Virginia?

Your state DMV will let you know if you need to file an SR-22. 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.

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How much does an SR-22 cost?

The fee your provider charges for filing the SR-22 should be around $20 to $50.

But the filing fee isn’t what’s most expensive when you’re required to file an SR-22 — you’ll also typically see higher premiums than you’re used to.

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.

Companies that offer SR-22 car insurance in Virginia

Not every insurer offers SR-22 filing support. Compare cheap rates from Virginia insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated September 21st, 2018
Company Median annual rate Learn more
Allstate $614 Read review
State Farm $419 Read review
Geico $756 Read review
Progressive $474 Read review
USAA $639 Read review
Average $580 Compare more reviews

How do I file for an SR-22 in Virginia?

Here’s how to file an SR-22 in Virginia:

  1. 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.
  2. 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.
  3. Pay the SR-22 fee. Your insurer will charge you a minimal processing fee for filing the SR-22 on your behalf.
  4. 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
  5. 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.

Find out how to get an SR-22 with top car insurance providers

How long will I need an SR-22?

In Virginia, you’re typically required to maintain an SR-22 certificate for three years.

What happens if I let my SR-22 lapse?

Your insurance provider is required to report any lapse in coverage. If your policy is canceled due to missed payments or you’ve failed to renew it, the state will be notified immediately. This gap in coverage could lead to your license being suspended again.

A suspension can only be lifted by paying the reinstatement fees and renewing your insurance. You may also have the clock reset on your filing period. In other words, if you were two years into your three-year period you would have to carry the certification for three years from the point of your license reinstatement instead of two.

What happens when I don’t need SR-22 coverage anymore?

You may want to contact the DMV once you think your mandated filing period is over. Once you confirm with the state that it’s fulfilled you can work with your insurance agent to find out what the best plan is for you moving forward.

Bottom line

Virginia has steep reinstatement and uninsured motor vehicle fees that you may be able to avoid paying more than once if you properly maintain your SR-22 certification. Drive safely and legally, keep up on your insurance premiums and renew your policy early to avoid potentially getting your license suspended again.

Fees aren’t the only cost you’ll face. Be sure to shop around and compare providers to find insurance that covers what you need at a rate you can afford.

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