finder.com

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare SR-22 insurance in Virginia

Get cheap SR-22 insurance in Virginia

Avatar
Roslyn McKenna
Updated . What changed?
Fact checked

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.

What's in this guide?

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.

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.

Compare Virginia SR-22 car insurance

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 Accident forgiveness Payment schedule States served
Progressive
Progressive
Optional
12 months, 6 months
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
USAA
USAA
Optional
12 months, 6 months, custom
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Get quotes
More Info
Root
Root
6 months, monthly
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MO, MT, NE, NV, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, West VA
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Get quotes
More Info
Allstate
Allstate
Optional
Monthly
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
12 months, monthly
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
The General
The General
Optional
12 months, monthly
All states except HI MA MI and NJ
Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
Get quotes
More Info
Farmers
Farmers
12 months, custom, Monthly
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
More Info
loading

Compare up to 4 providers

How long will I need an SR-22?

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

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’s the difference between an SR-22 and an FR-44 in Virginia?

An FR-44 is similar to an SR-22, however, an FR-44 is usually required after a DUI offense and requires you to carry higher liability limits.

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.

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.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site