SR22 Insurance Virginia

All About an SR22 Insurance In The Beautiful State Of Virginia

Virginia State Liability Requirements

Required Liability Coverage:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$20,000 property damage liability per accident
Uninsured Motorist Coverage: 30/60

The Importance of SR22 Insurance in Virginia: What You Need to Know

Many people have never heard of an SR-22 before. You may be one of them, but really it’s not to complicated. It is a financial responsibility form that is required by the State after a moderate-severe violation has occurred. It’s not actually insurance, but rather an attachment that goes along with a auto insurance policy. Some people only need it for 6 months; others, up to 5 years. Your local DMV will inform you for how long one is needed.

SR22 Insurance Virginia: Which Companies Offer It?

Unsure where to start searching for an Insurance quote with an SR-22? Check the companies listed below to see which companies do and don’t offer SR-22. Some companies do not, because they are considered for “high risk” drivers.

CompanySR22 Offered
American FamilyNo
GAINSCOYes
FarmersYes
GeicoYes
The GeneralYes
TravelersNo
SafecoNo
Progressive InsuranceYes
Bristol WestYes
SR22 Insurance Virginia

Cheapest Full Coverage SR22 Insurance in Virginia (By Company)

Needing full coverage and an SR-22? You can have all of this on one insurance policy. Here is the average cost for full coverage insurance, with an SR-22 in Virginia:

CompanySR22 Full Coverage (average)
Acceptance RTR$175.00
Bristol West$170.00
National General$210.00
Liberty Mutual$201.00
Geico$206.00
Mendota Ins. Company$213.00
GAINSCO$174.00
Assurance America$185.00
The General$169.00
Farmers$190.00
Progressive Insurance$185.00
SR22 Insurance Virginia Full Coverage

SR22 Insurance Requirements in Virginia: Meeting the State’s Guidelines

The Minimum State Liability requirements in Virginia are 30/60/20. This will pay out for what you are liable for up to $30,000 per person for Bodily Injury, up to $60,000 per accident, and $20,000 for property damage.

StateState MinimumPIP?
Virginia30/60/20N/A
SR22 Insurance Virginia State minimum requirements

SR-22 Insurance Virginia: Laws You Need to Know

An SR-22 (Safety Responsibility) form, is typically required if you are caught driving with no insurance, caused an accident resulting in serious injury or have a violation that is considered punishable as a felony. An FR-44, very similar to an SR-22, is geared more towards Alcohol or Drug related offenses in the state of Virginia.

In Virginia, drivers are required to hold SR-22 insurance for three years, though this period can be extended if you commit another serious driving violation or let your SR-22 coverage lapse.

Comparing SR22 Insurance Providers in Virginia: Finding the Right Fit For Liability Only

Only needing liability insurance with your SR-22? Here are the average rates for State Minimum Liability limits with your SR-22.

CompanyAverage Cost Liability with SR22
Bristol West$81.00
Dairyland$113.00
Assurance America$112.00
Acceptance RTR$72.00
Progressive Insurance$64.00
The General$113.00
Liberty Mutual$101.00
GAINSCO$100.00
Mendota Ins. Company$76.00
SR22 Insurance Virginia

SR22 Insurance Virginia: Who Has The Lowest Price (Best Insurance Companies By City)

Save time shopping for insurance quotes! We have complied a list of the cheapest insurance companies for each city. This will save you time and energy when looking for the most affordable insurance policy.

CityCompany
WaynesboroGeico
PetersburgProgressive
WinchesterThe General
ArlingtonThe General
West SpringfieldProgressive
SpringfieldGeico
RichmondThe General
MontclairGeico
ChantillyThe General
LortonGeico
Virginia BeachProgressive
Dale CityProgressive
Newport NewsGeico
CulpeperThe General
AnnandaleGeico
Fair OaksProgressive
South RidingProgressive
CentrevilleGeico
KingstowneThe General
IdylwoodProgressive
SudleyGeico
OaktonFarmers
StauntonFarmers
RoanokeGeico
BuckhallDairyland*
HopewellLiberty Mutual
RadfordProgressive
BurkeThe General
NorfolkGeico
Franklin FarmGeico
Short PumpGeico
BlacksburgProgressive
LincolniaProgressive
ManassasDairyland*
Cherry HillLiberty Mutual
PortsmouthProgressive
HerndonThe General
TysonsThe General
MarumscoProgressive
Rose HillGeico
HarrisonburgThe General
HamptonGeico
LynchburgGeico
AshburnGeico
Bailey’s CrossroadsGeico
LaurelBristol West
FranconiaThe General
SterlingGeico
Linton HallProgressive
SalemThe General
FairfaxGeico
MerrifieldProgressive
DanvilleGeico
LeesburgThe General
MeadowbrookThe General
FredericksburgProgressive
McLeanProgressive
TuckahoeThe General
RestonProgressive
West Falls ChurchProgressive
MechanicsvilleProgressive
Lake RidgeGeico
Cave SpringThe General
BrambletonThe General
Woodlawn CDPProgressive
CharlottesvilleLiberty Mutual
ChristiansburgLiberty Mutual
Bon AirLiberty Mutual
NeabscoDairyland*
ChesterProgressive
SR22 Insurance Virginia

Top 11 Reasons You May Be Required To Carry Have A Virginia SR22

Any Major Violation, such as listed below, will require you to carry an SR-22. This will let the State of Virginia know you are insured for at least the State Required limits.

Types of Violations
Excessive Points Violations – Accumulating multiple traffic violations or points on your driving record within a short period could lead to an SR-22 requirement.
DWI (Driving While Intoxicated) – If you’ve been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), you’ll likely need an SR-22 to reinstate your driving privileges.
Too Many Tickets in Short Period of Time – Accumulating multiple traffic violations or points on your driving record within a short period could lead to an SR-22 requirement.
Failure to Maintain Mandatory Insurance Coverage Required by State Law – If you’re caught driving without insurance, you may be required to file an SR-22 to prove financial responsibility before your driving privileges are reinstated.
License Suspension for Failure to Pay Fines – If your driver’s license has been suspended or revoked due to any driving-related offense, you might need an SR-22 to reinstate it.
Driving While Suspended/Revocation – If you’re caught driving while your license is suspended, you may face additional penalties, including the requirement to file an SR-22.
DUI (Driving Under the Influence of Drugs or Alcohol) – If you’ve been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), you’ll likely need an SR-22 to reinstate your driving privileges.
Suspension of License Due to Child Support
Previous IncarcerationCourt Order: A judge may order you to file an SR-22 as a condition of probation or as part of your sentence for certain offenses.
Multiple Traffic Offenses – Accumulating multiple traffic violations or points on your driving record within a short period could lead to an SR-22 requirement.
At Fault Accident with No Insurance – Being involved in an accident where you were at fault and didn’t have insurance coverage could result in needing an SR-22.
SR22 Insurance Virginia

These reasons may vary depending on the specific circumstances of your case and the laws in Virginia. It’s essential to understand the requirements in your state and comply with them to avoid further penalties.

Average Cost For SR22 Insurance in Virginia: Liability Only (By City)

The average cost for liability insurance with an SR-22 will vary depending on location, driving history, and type of vehicle.

CityAverage Price per Month
Staunton$99.00
Idylwood$89.00
Marumsco$108.00
Kingstowne$110.00
Chester$88.00
Virginia Beach$107.00
Harrisonburg$95.00
Portsmouth$87.00
Dale City$92.00
Laurel$88.00
Newport News$95.00
Sterling$100.00
Springfield$99.00
Petersburg$100.00
Fair Oaks$99.00
Lake Ridge$86.00
Cave Spring$94.00
Leesburg$86.00
Montclair$97.00
Lincolnia$106.00
Charlottesville$91.00
Oakton$92.00
Ashburn$108.00
Linton Hall$107.00
Merrifield$108.00
Centreville$109.00
Reston$106.00
Bon Air$108.00
Christiansburg$101.00
Tysons$100.00
Burke$97.00
Culpeper$92.00
Lorton$90.00
Hampton$104.00
Bailey’s Crossroads$86.00
Richmond$109.00
Hopewell$103.00
Annandale$101.00
Buckhall$108.00
Fredericksburg$88.00
Suffolk$109.00
Franconia$106.00
Brambleton$100.00
Short Pump$108.00
Salem$96.00
Rose Hill$93.00
Woodlawn CDP$97.00
Sudley$102.00
South Riding$103.00
Norfolk$106.00
McNair$95.00
Arlington$106.00
Winchester$90.00
Cherry Hill$110.00
Chantilly$101.00
Radford$108.00
Danville$91.00
Herndon$90.00
Fairfax$93.00
Mechanicsville$98.00
Tuckahoe$96.00
Burke Centre$105.00
Waynesboro$94.00
West Falls Church$91.00
Manassas$91.00
Chesapeake$97.00
West Springfield$96.00
Meadowbrook$98.00
SR22 Insurance Virginia

Navigating the SR22 Filing Process in Virginia: Tips and Recommendations

When filing an SR22 in Virginia, here are five helpful tips to keep in mind:

  1. Understand the Requirements: Familiarize yourself with the specific SR22 insurance requirements in Virginia. Know the duration of the filing period, the minimum coverage limits, and any additional requirements mandated by the state.
  2. Choose a Reputable Insurance Provider: Select a reliable and licensed insurance provider that offers SR22 filings in Virginia. Research and compare different insurance companies to find one that offers competitive rates, good customer service, and a solid reputation.
  3. Maintain Continuous Coverage: It’s crucial to maintain continuous coverage throughout the entire SR22 filing period. Failure to maintain insurance coverage or a lapse in coverage can result in penalties, including driver’s license suspension or the need to restart the filing period.
  4. Budget for Higher Insurance Costs: SR22 insurance typically comes with higher premiums due to the elevated risk associated with the filing. Adjust your budget to accommodate the increased insurance costs and ensure you can meet the financial obligations associated with SR22 filing.
  5. Drive Responsibly: Demonstrating responsible driving behavior is essential when you have an SR22 filing. Avoid any traffic violations or incidents that could lead to further penalties or negatively impact your insurance rates. By maintaining a clean driving record, you can work towards reinstating your driving privileges without complications.

Remember, these tips are meant to provide general guidance. It’s recommended to consult with your insurance provider and the Virginia Department of Motor Vehicles (DMV) for the most accurate and up-to-date information regarding SR22 filings in Virginia.

Some insurance companies do not offer SR-22 Insurance because it is considered ‘high risk’. Some companies offer SR-22 filings for small fee of $5-$25 each insurance term. This means you will pay a one time fee up front, which will cover you for your entire term as long as your policy remains active.

CarrierCost
Assurance America$25.00
Liberty Mutual$15-$25
Mendota Ins. Company$25.00
Acceptance RTR$25.00
National General$25.00
Farmers$15-$71
DairylandFree
GAINSCO$25.00
SR22 Insurance Virginia

Cheap SR-22 Insurance in Virginia full coverage

Insurance premiums are calculated based upon rating factors. One of the rating factors used is your location, or zip code, and surrounding areas. Premiums may increase, or decrease depending upon the amount of claims/accidents in your area.

Below is a list on Cities in the State of Virginia that show the average cost of Full Coverage Car Insurance with an SR22:

CityAverage Cost
Herndon$169
Montclair$172
Sterling$158
Hampton$176
Burke$152
Blacksburg$156
Suffolk$175
Buckhall$180
Franklin Farm$150
West Springfield$148
Linton Hall$157
Tuckahoe$177
Harrisonburg$152
Waynesboro$164
Manassas$166
Laurel$167
Salem$173
Reston$152
South Riding$156
Merrifield$154
Hopewell$182
Culpeper$154
Chesapeake$153
Chantilly$146
Virginia Beach$148
Leesburg$174
Fredericksburg$166
Lynchburg$165
Centreville$149
Dale City$177
Winchester$170
Richmond$158
Norfolk$159
Brambleton$181
Sudley$180
Marumsco$165
Neabsco$158
Newport News$168
Ashburn$150
Staunton$165
Fair Oaks$166
Rose Hill$149
Lincolnia$162
Idylwood$154
Roanoke$177
Cave Spring$170
Christiansburg$181
Burke Centre$164
Mechanicsville$167
Danville$160
Charlottesville$181
Chester$180
Springfield$156
Short Pump$159
Cherry Hill$171
SR22 Insurance Virginia
For more details or to get a personalized quote for SR22 Insurance in Virginia, contact A Plus Insurance at 1.888.445.2793.

SR22 Insurance Virginia FAQs

What is SR-22 insurance, and when is it required in Virginia?

SR-22 insurance is a certificate of financial responsibility required for individuals with certain driving violations in Virginia. It’s typically needed after serious offenses like DUI, reckless driving, or driving without insurance. Our agents can help you understand when and how to obtain SR-22 insurance.

How can I get an SR-22 insurance policy in Virginia through A Plus Insurance?

Obtaining an SR-22 insurance policy in Virginia is easy with A Plus Insurance. Simply contact our office at [Your Office Number], and our knowledgeable agents will guide you through the process. We’ll ensure you have the required coverage to meet your SR-22 obligations.

Is SR-22 insurance expensive in Virginia, and how can I find an affordable policy?

SR-22 insurance rates in Virginia can vary, but A Plus Insurance specializes in finding affordable options for our clients. We work with multiple insurance providers to help you secure the best rates. Contact us at [Your Office Number] to get a personalized quote.

How much does an SR-22 cost in Virginia?

The cost of an SR-22 in Virginia varies based on individual circumstances and insurance rates. A Plus Insurance can provide you with a detailed estimate tailored to your specific needs. Contact us for an insurance quote and more information.

How do I file an SR-22 in Virginia?

Filing an SR-22 in Virginia is a process that A Plus Insurance can assist you with. Our team will handle the paperwork and ensure that your SR-22 is filed promptly with the state. Reach out to us by phone or online for assistance.

Do I need an SR-22 to reinstate my license in Virginia?

In many cases, an SR-22 is required to reinstate a driver’s license in Virginia, especially following serious violations. Our agents at A Plus Insurance can provide you with the necessary guidance and help you determine if an SR-22 is needed for your situation.

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Sr22 Insurance Virginia
2024 SR22 Insurance Virginia

Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

How to Get a Free Quote for SR22 Insurance in Virginia

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

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