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Cheapest recent rates in West Virginia for drivers with an SR-22
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $63/mo for full coverage in West Virginia.
*Quotes generated for Insurify users from West Virginia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from West Virginia within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
An SR-22 isn’t an actual type of insurance — it’s a form that some states require to prove you have the minimum amount of coverage after you commit a certain driving offense, like accumulating too many tickets or getting a DUI.
While many states have SR-22 filing requirements, drivers in West Virginia don’t need to file one. Learn more about West Virginia’s points system and how a driving incident can affect your car insurance rates.
Quick Facts
High-risk drivers in West Virginia can still face increased insurance premiums without an SR-22 requirement.
Driving infractions remain on your motor vehicle record for five years in West Virginia.
If you accumulate 12 or more points on your record in West Virginia, you may face license suspension.
Does West Virginia require SR-22 insurance?
West Virginia doesn’t require SR-22 insurance, but the West Virginia Division of Motor Vehicles monitors insurance coverage of every licensed driver in the state. The state tracks dangerous driving behavior through a points system. A driver who commits a moving violation gets points assigned to their license depending on the severity of the infraction.
Some of the offenses that can put the most points on your license include fleeing an officer, speeding in a school zone, reckless driving, and committing a hit-and-run. After receiving a certain number of points on your license, you face license suspension. The length of the suspension depends on the number of points you receive.[1]
Points Accumulated
▲▼
Suspension Period
▲▼
12–13
30 days
14–15
45 days
16–17
60 days
18–19
90 days
20+
120 days
Once the suspension period ends, you can reinstate your license by paying a reinstatement fee and showing proof of insurance. West Virginia’s DMV doesn’t disclose the precise reinstatement fee amount.
West Virginia also automatically suspends the license of any driver convicted of driving under the influence. To regain your license after a DUI suspension, you must take part in DUI education and treatment.[2] The required Safety and Treatment Program includes 18 hours of DUI education, as well as a substance abuse evaluation and assessment that may result in further treatment.
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Liability rates start as low as $41/mo. for drivers with an incident
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Cheapest companies for liability insurance in West Virginia
West Virginia has nearly 100 different insurance companies to choose from for auto insurance, and narrowing down your choices for the most affordable options isn’t an easy task.
Here’s a look at a few cheap car insurance companies that can help you get coverage without spending more than you need to.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Quote: Liability Only
▲▼
State Farm
$32
USAA
$39
Erie
$39
GEICO
$59
National General
$69
Progressive
$69
Nationwide
$73
Direct Auto
$78
Root
$79
Allstate
$81
Clearcover
$83
Dairyland
$93
CSAA
$93
Foremost
$98
Liberty Mutual
$117
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance?
SR-22 insurance is a way for the state to keep an eye on drivers who’ve made major driving mistakes. It’s a bit of a misnomer because SR-22 isn’t a kind of insurance policy — it’s a form that acts as a type of proof of insurance. Your insurance company can send it to the state to prove your policy meets the minimum liability insurance requirements.
While every driver (except drivers in New Hampshire) must have car insurance, you only need SR-22 certification if your state requires it. Think of it like an extra step if you’ve had trouble with your driving record, like a DUI conviction or driving without insurance.
Although West Virginia doesn’t have SR-22 laws, if you’re in a state that requires it, you may need an SR-22 certificate to get your license back.
Difference between SR-22 and FR-44
SR-22 and FR-44 certifications are similar, but FR-44 certificates are only required in Florida and Virginia. Drivers must get FR-44 coverage when they have a more serious violation on their record, like repeat DUIs.
FR-44 certificates also come with higher minimum coverage requirements. In the neighboring state of Virginia, for example, drivers with an FR-44 requirement must have double the coverage they’d need with an SR-22.[3]
When you need SR-22 insurance
SR-22 insurance is a common requirement to reinstate a suspended driver’s license. Certain driving problems can lead to a suspension, such as numerous car accidents or a recent DUI.[4] When that happens, the state will likely want proof that you have proper insurance in place. You may need to file an SR-22 to get your driver’s license back.
Another big reason is being caught driving without insurance. If an officer pulls you over or you’re in a crash and don’t have insurance coverage, the state can ask for an SR-22 to make sure you don’t drive uninsured again.
How long a driving incident stays on your record in West Virginia
In West Virginia, a driving incident will stay on your motor vehicle record for five years. During this time, you’ll likely pay more for car insurance.
For example, West Virginia drivers with a clean record pay $78 per month for liability-only policies. The cost increases to $128 per month for drivers with a speeding ticket and $141 per month for drivers with a DUI conviction.
Even without an SR-22 requirement, West Virginia drivers with serious violations can still face steep prices on insurance. Insurers view drivers with incidents on their record as a higher risk to insure, so they charge more to offset the risk that you might file a claim.
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How to improve your driving record in West Virginia
An incident on your driving record puts you in the high-risk category in the eyes of insurance companies, which usually means you’ll pay more in premiums for the next few years. But you have a few options to improve your situation and get your rates down over time:
Drive carefully and stick to the rules
The best way to improve your driving record is to follow traffic laws to avoid more tickets or violations. Even a minor speeding ticket could keep your rates high.
Take a defensive driving course
Some insurance companies offer a discount on your policy for completing a defensive driving course.
Consider a higher deductible
A higher deductible, which is the amount you pay from your own pocket before your insurance kicks in, can lower your monthly premiums. Just be sure you can cover the cost if you ever need to file a claim.
Shop around for quotes
Compare quotes from different insurers to see if you can find a better deal.
West Virginia SR-22 insurance FAQs
While West Virginia doesn’t require SR-22 insurance, you may still have questions about what happens if you rack up serious driving violations or move to a state that requires an SR-22. Here are answers to common concerns for West Virginia drivers.
How do you know if you need an SR-22 or FR-44?
You won’t need SR-22 or FR-44 insurance in West Virginia, as the state doesn’t require these forms. If you move to a state that does, your notice can come from the DMV or court system, usually after a severe offense like a DUI or driving without insurance.
Are there any fees with SR-22 insurance?
In states that require an SR-22, you’ll come across a few filing fees. Insurance companies often charge a small filing fee to send the certification to the DMV, often in the $25 range. You may also have to pay a reinstatement fee or non-compliance fee. While West Virginia doesn’t have SR-22 or FR-44 requirements, racking up points on your license can raise your insurance rates.
How much do car insurance rates increase after filing an SR-22?
Car insurance rates typically increase by about 7% after filing an SR-22. The hike isn’t from the form itself but from the violation that triggered it, like a DUI or driving without insurance. Insurers consider you a higher risk and charge more. How much your car insurance bill goes up depends on how severe the violation was.
What happens to your SR-22 if you move?
If you move to West Virginia from a state that requires SR-22, you may need to keep your SR-22 on file until you’ve met the original state’s requirements. Coordinating can be tricky since drivers don’t need SR-22 in West Virginia. To simplify the process, look for an insurance company that sells policies in both states.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Nolo. "SR-22 Insurance: What It Is and When It’s Required."
Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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