Cheapest SR-22 Car Insurance in Virginia

Virginia Farm Bureau offers the cheapest SR-22 insurance in the state at $32 monthly for minimum coverage, 56% cheaper than the state average of $72. It's also the most affordable for full coverage at $78.

Auto-Owners offers Virginia's most affordable non-owner SR-22 insurance at $21 monthly or $250 annually. Drivers with an SR-22 filing can buy non-owner insurance to meet state minimum coverage requirements. 

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in Virginia for drivers with an SR-22 is $859 annually for minimum coverage, 54% more than the $556 clean-record drivers pay.

Full coverage for SR-22 drivers costs about $1,798 per year, compared to $1,134 for those with clean records — a 59% increase.

An SR-22 form alone doesn't raise your insurance rate. Premiums depend on the type of violation. The table below compares SR-22 insurance costs for common violations across different age groups in Virginia.

An SR-22 proves you meet the state minimum coverage requirements. Virginia requires drivers with certain violations to file an SR-22 to get their license back. Insurers view these drivers as high-risk, leading to higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to confirm that you have enough insurance to comply with the reinstatement requirements of Virginia's Financial Responsibility law.

After a serious traffic violation, having an SR-22 is required for up to three years. This form certifies you meet Virginia's minimum coverage requirements. For DUI offenses, FR-44 laws apply. To comply, drivers must carry these liability limits:

In Virginia, SR-22 certificates are typically required for up to three years. If charged with driving under the influence (DUI), you'll need to file an FR-44, which requires higher coverage.

Along with using an SR-22 for up to three years to comply with Virginia's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Virginia during the SR-22 period, coordinate with your insurer for out-of-state filing.
• FR-44: If convicted of a DUI, you’ll need FR-44 insurance, which requires higher coverage limits.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 coverage for the entire period. If you need coverage, get an SR-22 insurance quote. Finding insurance with an SR-22  can be tougher than for drivers with clean records. Insurers might cancel your policy or deny coverage when you file.

High-risk drivers in Virginia might find fewer companies offering coverage, usually resulting in higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner car insurance covers those who frequently drive but don't own a vehicle, making it ideal for frequent renters or rideshare drivers. The policy also covers third-party injuries or property damage if you're at fault. It's often more affordable than standard coverage.

Compare quotes from different insurers to find the best rates. After purchasing a policy, your insurer can file an SR-22 form, ensuring compliance with state laws and allowing license reinstatement after up to three years.

Virginia drivers with severe offenses must file an SR-22 to prove meeting minimum coverage requirements. This form is required for up to three years for serious or repeated offenses. While SR-22 insurance rates are higher, several cheap car insurance providers in Virginia cater to these drivers.

Below are frequently asked questions about SR-22 certifications in Virginia:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Virginia drivers with various profiles and needs.

Virginia Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Virginia's minimum coverage requirements, with the following limits:

• $50,000 personal injury liability per person
• $100,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $50,000 underinsured/uninsured motorist coverage per person
• $100,000 underinsured/uninsured motorist coverage per accident
• $25,000 underinsured/uninsured motorist property damage coverage per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.