Cheapest SR-22 Car Insurance in West Virginia

State Farm offers the cheapest SR-22 insurance in West Virginia at $50 monthly for minimum coverage, 40% less than the state average of $83. It's also the most affordable for full coverage at $125.

State Farm offers the cheapest non-owner SR-22 insurance in West Virginia at $28 monthly or $340 annually. Drivers who need an SR-22 but don't own a car can use non-owner insurance to fulfill state minimum coverage needs. Below is a table showing providers and average costs for minimum coverage.

The average cost of car insurance in West Virginia for drivers with an SR-22 is $994 annually for minimum coverage — 57% more than the $633 average cost for clean-record drivers. 

For full coverage, SR-22 drivers face an average cost of $2,160 annually, while those with clean records pay roughly $1,337, a 61% increase for those with an SR-22.

Having an SR-22 form alone doesn't raise your insurance rate. The type of violation on your driving record determines the cost. Compare the price of SR-22 insurance for common violations across age groups in the table below.

An SR-22, often called SR-22 insurance, is a form proving you have car insurance that meets state minimums. Drivers with certain violations must file it to get their license back. Filing an SR-22 makes insurers see you as high-risk, raising your premium.

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 confirming that you have enough liability insurance to meet the reinstatement requirements of West Virginia's Financial Responsibility law.

If you've had a serious traffic violation, you must carry an SR-22 for three years. This form shows you meet West Virginia's minimum coverage requirements. To follow SR-22 laws, drivers must comply with these liability limits:

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

In West Virginia, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with West Virginia's minimum coverage laws, there are other rules that SR-22 drivers need to follow:

• Fees: To regain driving privileges, you must pay a fee and provide proof of liability insurance with an SR-22 form.
• Policy changes: Filing for an SR-22 may lead your insurer to cancel or not renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted insurance during the three years your SR-22 is active. Lapses may result in penalties or license suspension.
• Relocation: If you move, contact your insurer to file an out-of-state SR-22.
• Completion: After three years, your insurer should notify the state that your SR-22 requirement is complete.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tricky. Insurers might cancel your policy or deny coverage when you file. Rates can range from $400 to $1,200.

High-risk drivers in West Virginia may find fewer insurers offering coverage, leading to higher premiums and limited options. When getting an SR-22 insurance quote, confirm the exact fee with your insurer if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner car insurance covers people who drive but don’t own a vehicle. It financially protects you when driving someone else’s car and is useful for frequent renters or rideshare drivers, covering third-party injuries and property damage.

Non-owner policies are often cheaper than standard insurance. Comparing quotes from different insurers can help you find the best deal. Once you purchase a policy, your insurer can file an SR-22 to meet state requirements and reinstate your license after three years.

West Virginia drivers with severe offenses need an SR-22 to prove state minimum coverage. For more serious cases, it's required for three years. Although SR-22 insurance costs more, cheap car insurance providers in West Virginia are available for these drivers.

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

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

West 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 West Virginia's minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — 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.