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Virginia SR-22 Car Insurance (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for SR-22 Insurance in Virginia (2022)
For drivers with SR-22 in Virginia, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Virginia. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Virginia.
| Carrier | Avg. Monthly Cost |
|---|---|
| National General | $150 |
| Travelers | $152 |
| Elephant | $152 |
| Gainsco | $158 |
| Safeco | $161 |
| Direct Auto | $190 |
| Bristol West | $192 |
| TSC | $197 |
| SafeAuto | $200 |
| Dairyland | $222 |
How Much Does SR-22 Insurance Cost in Virginia?
Having an SR-22 in Virginia isn't cheap. It's not the filing that costs the most money; it's the high-risk insurance that goes along with it.
While drivers with no violations pay just $187 a month for minimum liability car insurance on average, motorists with an SR-22 requirement pay $46 more. These additional dollars equate to a 25 percent increase over average rates in Virginia.
No Violation - Avgerage Monthly Rate$187
With SR-22 - Average Monthly Rate$233
$46 ▴
24.60% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate
Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
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What Is an SR-22, and Who Needs One in Virginia?
While an insurance card is the only thing most drivers have to produce to demonstrate that they've paid their premiums, some negligent drivers are required to prove insurance in other ways. The SR-22 is a form filed by an insurance company to confirm a driver has obtained the necessary amount of liability insurance to drive in the state. Virginia requires an SR-22 of drivers who have unsatisfied judgments against them, have been convicted of a major moving violation, are caught uninsured, or have falsified insurance records.
An FR-44 is a similar form that Virginia requires for DUIs and other offenses. One difference between the SR-22 and the FR-44 is that an FR-44 requires the motorist to have double the minimum financial responsibility limits required by the state. Because both SR-22 and FR-44 drivers have been flagged for high-risk behavior, finding insurance companies that want to do business with them can be more challenging than for low-risk motorists.
How Much Does Credit Score Affect SR-22 Insurance Costs in Virginia?
While you'll probably get dinged financially for having to have this document, your credit score may make up for part of it. Bad drivers with good credit scores pay less for insurance with an SR-22 than those with poor credit who also require this document. For example, if you have excellent credit but need an SR-22, you'll pay an average of $41 extra over peers in the same financial bracket. Poor credit drivers with an SR-22, on the other hand, pay upwards of $50 more, a $9 difference.
| Credit Tier | Avg. Monthly Rate - No Violation | Avg. Monthly Rate - SR-22 | Difference |
|---|---|---|---|
| Excellent | $170 | $211 | $41 |
| Good | $190 | $235 | $45 |
| Average | $191 | $237 | $46 |
| Poor | $207 | $257 | $50 |
How to Find the Best SR-22 Insurance Rate in Virginia
Any insurer who is registered to do business in the state of Virginia and who does business related to motorists with SR-22 filings can take care of the SR-22 part of the paperwork for you. You'll deal with the insurance company to purchase the necessary coverage, and the insurance company files the SR-22 with the state (usually electronically).
Non-Owner SR-22 Insurance in Virginia
Even if you don't have a car, getting through the SR-22 process is easy. Instead of buying regular car insurance, you'll buy what's called non-owner insurance. It's a type of liability insurance covering the driver and passengers of the other vehicle should you get into an accident in a borrowed car or a rental.
Alternatives to an SR-22 in Virginia
An alternative form proving similar financial responsibility in the state is the FR-44. The FR-44 has more stringent rules as far as how much liability insurance you have to carry. It's possible in Virginia not to have to carry any insurance at all. Virginia is the only state that lets motorists opt out of insurance altogether if they instead pay an uninsured motor vehicle fee of $500. Contact the DMV about your particular situation.
How Do I Get SR-22 Insurance in Virginia
Finding a company that will file an SR-22 in Virginia isn't unachievable. But including in your search as many reliable companies as possible to discover the most competitive rates is a challenge if you aren't prepared. Use Insurify to search your insurance options industry-wide and find a coverage plan that is just right for you.
Frequently Asked Questions
The filing requirement period for an SR-22 in Virginia is three years. During those three years, you must have continuous liability insurance and not let it lapse, or you could lose your license and be subject to fines.
Don't let your SR-22 lapse just because you left the state. Depending on the state you move to, you may have to bring it over with you. Refer to your court paperwork, probation officer, and the DMV to understand your specific situation.
Yes, you do need an SR-22 in Virginia, even if you don't have your own ride. Instead of asking for regular liability insurance, you'll ask your agent for a non-owner policy. This policy covers the other vehicle and occupants should you ever get into an accident.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.