- Understanding SR-22 insurance in Virginia
- How much does SR-22 insurance cost in Virginia?
- Average SR-22 insurance cost in Virginia by violation
- Non-owners SR-22 insurance in Virginia
- How long do you need an SR-22 in Virginia?
- Reasons for requiring SR-22 insurance in Virginia
- Tips to lower SR-22 insurance costs in Virginia
- Methodology
- SR-22 insurance in Virginia: FAQ
- Compare Virginia SR-22 rates with other states
Understanding SR-22 insurance in Virginia
SR-22 insurance isn't a separate type of insurance. It's a form your insurance company files with the state to show that you carry the minimum car insurance required to drive in Virginia. When people say SR-22 insurance, they're generally talking about car insurance that includes an SR-22 filing by the insurance company on your behalf.
Most drivers in Virginia don't need SR-22 insurance. The drivers who do need it usually have serious violations, such as DUIs, reckless driving, or several offenses within a short period. If you're required to file an SR-22, the state will tell you how long you need to keep it.
"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.
How much does SR-22 insurance cost in Virginia?
Filing an SR-22 form doesn't cost much, but the fines and increased insurance rates can be expensive. On average, SR-22 insurance in Virginia costs $1,838 per year, but the actual rate depends on the driver and the specific violation.
Insurance companies charge different rates, so it's smart to shop around and find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Virginia by violation
Your insurance rates don't increase because of the SR-22. The SR-22 is required because of a violation, and it's the violation that increases your rates.
For instance, you may require an SR-22 for a DUI or driving without insurance. The car insurance rate increase will be based on the infraction, not the SR-22.
This table shows the average costs for violations requiring an SR-22. The rates vary depending on the violation.
| Violation | Average annual premium |
|---|---|
| Driving without insurance | $1,635 |
| DUI/DWI first offense | $2,647 |
| DUI/DWI second offense | $3,451 |
| Reckless driving | $2,703 |
| SR22 Filing Only | $1,838 |
| SR22 with 1 DUI | $3,191 |
SR-22 insurance cost by company for a first DUI
State Farm offers the lowest car insurance rate for drivers after a single DUI at $1,590 yearly. Finding affordable SR-22 insurance after a DUI can be challenging, but comparing quotes can help. Some insurance companies view a first DUI as a one-time mistake and may offer lower rates than others.
The table below shows how average insurance rates vary by company after one DUI. Insurance rates do increase after a DUI, but the rise isn't as steep as it is for multiple violations.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,590 | $133 |
| Travelers | $1,838 | $153 |
| Erie Insurance | $2,104 | $175 |
| Auto-Owners | $2,279 | $190 |
| Progressive | $2,695 | $225 |
| Allstate | $2,986 | $249 |
| GEICO | $3,000 | $250 |
| USAA | $2,260 | $188 |
SR-22 insurance cost by company for reckless driving
The cheapest company for SR-22 insurance after a reckless driving conviction is State Farm, with an average annual rate of $1,590. Drivers can get reckless driving tickets for many reasons, such as excessive speeding, running red lights, texting while driving, or tailgating. No matter the reason, reckless driving in Virginia results in fines, an SR-22 requirement, and increased car insurance rates.
Check the table below to see how average insurance rates for reckless driving compare across different companies.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,590 | $133 |
| Travelers | $1,838 | $153 |
| Erie Insurance | $2,104 | $175 |
| Auto-Owners | $2,279 | $190 |
| Allstate | $2,986 | $249 |
| GEICO | $3,000 | $250 |
| Progressive | $3,032 | $253 |
| USAA | $1,591 | $133 |
SR-22 insurance cost by company for driving without insurance
The cheapest company for car insurance after being ticketed for driving without insurance is Erie Insurance at an average yearly rate of $1,450.
In Virginia, drivers must have at least the minimum required auto insurance. If you don't, you can face fines, higher insurance rates and an SR-22.
Below are the car insurance rates by company for drivers with a lapseWhen your auto insurance coverage ends because you missed a payment or did not renew it on time. A lapse in auto insurance coverage may result in paying higher premiums for a new policy. in coverage.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Erie Insurance | $1,450 | $121 |
| State Farm | $1,590 | $133 |
| USAA | $1,449 | $121 |
Non-owners SR-22 insurance in Virginia
Virginia may require you to file an SR-22 form even if you don't own a vehicle as a prerequisite for reinstating your license. Drivers who sometimes borrow or rent a car can buy non-owner SR-22 insurance, which provides state minimum auto insurance coverage. A non-owner car insurance policy meets the legal requirements, and an SR-22 can be filed based on that policy.
It's important to note that non-owner car insurance only acts as secondary liability coverage when driving someone else's car. If you buy a car, you will need the proper insurance to drive it in Virginia.
How long do you need an SR-22 in Virginia?
In Virginia, drivers usually need to keep an SR-22 for three years. If you don't maintain insurance during this time, the consequences can be serious. You'll be breaking the law and could face more fines and penalties.
Reasons for requiring SR-22 insurance in Virginia
Most Virginia drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.
Reasons you may need an SR-22 in Virginia include:
- DUI
- Reckless driving
- Multiple infractions in a short amount of time
- Failure to maintain auto insurance
- Refusing a breathalyzer
- At-fault accidents involving severe injuries or death
Tips to lower SR-22 insurance costs in Virginia
Although your insurance will increase if you need an SR-22, there are still ways to find affordable coverage.
Ways to lower auto insurance costs with an SR-22 include:
- Take advantage of all available discounts. Most insurers allow you to bundle discounts to maximize savings.
- Raise your deductible. Increase the amount you pay before insurance kicks in to lower rates.
- Take a defensive driving course. Some insurers offer a discount for taking a course, and some states remove points from your license, which can lower your insurance rates.
- Sign up for a usage-based program. If you can demonstrate good driving habits while they are being tracked, you could earn a discount.
- Shop around for SR-22 insurance. Compare rates from multiple companies to find the cheapest SR-22 insurance in Virginia.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22
- One DUI
- Two DUIs
- Reckless driving
- Driving without insurance
SR-22 insurance in Virginia: FAQ
What happens if I fail to maintain SR-22 insurance in Virginia?
If you don't keep your insurance active and maintain your SR-22 filing, you could face serious consequences. You might face:
- Losing your driver's license
- Paying fines
- Increased car insurance rates
- Restarting your SR-22 period
- Jail time
- Getting your car's registration revoked
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurance companies if you have an SR-22. Your new insurer must file the SR-22 on your behalf. Make sure your new policy, along with the SR-22, is active before you cancel your old one.
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