West Virginia SR-22 Car Insurance: Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for SR-22 Insurance in West Virginia (2022)

For drivers with SR-22 in West 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 West Virginia. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in West Virginia.

Carrier
kemper
$146/mo
safeco
$168/mo
dairyland
$191/mo

How Much Does SR-22 Insurance Cost in West Virginia?

Nearly all states that require an SR-22 form after a major driving violation will charge higher rates for auto insurance coverage. In West Virginia, drivers who don't have a violation history will pay on average $196 per month, while those who need an SR-22 will pay as much as $243. The increase in prices results in drivers paying 24 percent more for coverage.

$196
$243
No Violation - Avgerage Monthly RateWith SR-22 - Average Monthly Rate
$47 ▴Difference in Average Monthly Rate
23.98% ▴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.

What Is an SR-22, and Who Needs One in West Virginia?

If you have been found guilty of a major driving violation, such as a DUI/DWI, multiple driving occurrences, or an at-fault accident, your insurance provider may request that you obtain an SR-22 form. The SR-22 provides proof to the state of West Virginia that you have the minimum required auto insurance.

In most instances, drivers are required to keep the SR-22 form active for a minimum of three years in West Virginia. This means you may be dealing with higher insurance rates until you can shed the SR-22 certificate.

How Much Does Credit Score Affect SR-22 Insurance Costs in West Virginia?

The impact that your credit score can have on the cost of an SR-22 depends on which tier you fall into. Drivers who have an excellent credit score often see the lowest increase in cost, while drivers with poor credit rating will experience higher increases. For instance, in West Virginia motorists with an SR-22 and excellent credit pay $51 less than those with poor credit.

Credit TierDifference
Excellent$189$234$45
Good$211$261$50
Average$213$263$51
Poor$230$285$55

How to Find the Best SR-22 Insurance Rate in West Virginia

If you find yourself needing to obtain an SR-22 form, there are several options available in West Virginia. Many of the insurance providers in the state offer the SR-22, but the rates can vary greatly. To get the most affordable rates, it is a good idea to use a company like Insurify, where you can quickly compare all the offers you qualify for.

Non-Owner SR-22 Insurance in West Virginia

West Virginia drivers who don't own a vehicle will need to look into a non-owner SR-22 form instead of the standard version. With the non-owner SR-22, you will have coverage that you can use as proof of insurance if you need to get your driver's license reinstated. To qualify, no one in your household can own a vehicle either.

Alternatives to an SR-22 in West Virginia

Even though there aren't any direct alternatives to obtaining an SR-22 in West Virginia, there are things you can do to lower the rates you have to pay for it. For instance, receiving quotes from multiple providers is one of the best ways to find affordable rates.

How Do I Get SR-22 Insurance in West Virginia

Finding affordable SR-22 insurance rates in West Virginia can be a challenge if you don't shop around. One easy way to quickly compare rates all in one location is to use a platform like Insurify. With Insurify, you answer a few simple questions, and within minutes, you can browse dozens of quotes to find the one that suits you best.

Frequently Asked Questions

How long do you need an SR-22 in West Virginia?

Drivers who are required to get an SR-22 will need to keep it active for a minimum of three years in West Virginia. Besides the SR-22, it is also a requirement to maintain the minimum auto insurance coverage set forth by West Virginia law.

What happens to my SR-22 in West Virginia if I move?

Your SR-22 will follow you to whatever state you move to if you decide to leave West Virginia. To ensure your SR-22 is properly transferred over, you will want to notify your current auto insurance provider of your intentions to move and give them the information of your new provider.

Do I need an SR-22 in West Virginia if I don’t have a car?

Motorists who are required to obtain an SR-22 but don't have a car are required to still get an SR-22. However, the type of form that is needed changes from a standard SR-22 to a non-owner SR-22.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

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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.