- SR22 Insurance Virginia
- The Importance of SR22 Insurance in Virginia: What You Need to Know
- Affordable SR22 Insurance in Virginia with Full Coverage (Top Companies Compared)
- Virginia SR22 Insurance Requirements: How to Meet the State's Guidelines
- SR-22 Insurance in Virginia: Essential Laws and Requirements
- How much is the SR-22 fee in Virginia?
- Finding the Best SR22 Insurance Providers in Virginia for Liability-Only Coverage
- Best SR22 Insurance Providers in Virginia for Affordable Liability-Only Coverage
- Top 11 Reasons You Might Need SR22 Insurance in Virginia
- Average SR22 Insurance Rates in Virginia for Liability-Only Coverage (City-by-City Comparison)
- How to File SR22 Insurance in Virginia: Tips and Recommendations
- Cheap SR-22 Insurance in Virginia full coverage
- SR22 Insurance Virginia FAQs
- What We Do at A Plus Insurance
- SR22 Insurance Process
The Importance of SR22 Insurance in Virginia: What You Need to Know
Understanding the importance of SR22 insurance in Virginia is crucial for drivers who have faced serious violations such as DUIs or multiple traffic offenses. This type of insurance acts as proof that you carry the minimum liability coverage required by the state. SR22 insurance in Virginia ensures that high-risk drivers can legally get back on the road while meeting state requirements. For those who need it, finding the right policy and rate is essential to managing costs effectively.
When shopping for SR22 insurance in Virginia, it’s important to compare rates from different insurance companies. Rates can vary significantly, so it’s beneficial to gather quotes from multiple providers. Below is a comparison table of estimated monthly rates for SR22 insurance from various insurance companies:
| Insurance Company | Estimated Monthly Rate | Coverage Type |
|---|---|---|
| Progressive | $125 | Liability Only |
| Dairyland | $135 | Full Coverage |
| The General | $140 | Liability Only |
Key Points to Consider:
- State Requirements: Virginia mandates SR22 for high-risk drivers.
- Cost Variability: Rates differ across companies; compare multiple quotes.
- Coverage Options: Choose between liability-only and full coverage based on your needs and budget.
By understanding these aspects, you can make informed decisions and find the best policy to meet your needs.
SR22 Insurance Virginia: Which Companies Offer It?
Finding the right SR22 insurance in Virginia can be challenging, but several reputable insurance companies offer policies to help high-risk drivers get back on the road. Companies like Progressive, Dairyland, and The General provide SR22 insurance in Virginia, ensuring you meet the state’s legal requirements for liability coverage. Shopping around and comparing rates can help you find the best deal and coverage for your needs.
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.
| Company | SR22 Offered |
|---|---|
| American Family | No |
| GAINSCO | Yes |
| Farmers | Yes |
| Geico | Yes |
| The General | Yes |
| Travelers | No |
| Safeco | No |
| Progressive Insurance | Yes |
| Bristol West | Yes |
Key Points to Consider:
- State Requirements: Virginia requires SR22 for high-risk drivers.
- Company Options: Many reputable companies offer SR22 policies.
- Rate Comparison: Comparing rates can save you money.
By evaluating these options and comparing rates, you can find the most suitable SR22 insurance in Virginia to meet your needs.
Affordable SR22 Insurance in Virginia with Full Coverage (Top Companies Compared)
When searching for affordable SR22 insurance in Virginia with full coverage, it’s essential to compare rates from top companies. Full coverage SR22 policies help meet Virginia’s legal requirements while providing comprehensive vehicle protection. Companies like Progressive, Dairyland, and The General offer competitive rates, making it easier for high-risk drivers to find cheap SR22 insurance in Virginia. By comparing these providers, you can secure the best deal on full coverage SR22 insurance.
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:
| Company | SR22 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 |
Key Points to Consider:
- Affordability: Rates vary, so compare quotes to find the best deal.
- Coverage Options: Ensure you get the right balance of cost and coverage.
- Provider Choices: Reputable companies offer competitive rates.
By comparing these options, you can find the most affordable SR22 insurance in Virginia that provides the necessary protection and meets state requirements.
Virginia SR22 Insurance Requirements: How to Meet the State’s Guidelines
Meeting Virginia’s SR22 insurance requirements is crucial for high-risk drivers. SR22 insurance in Virginia proves you carry the state’s mandated minimum liability coverage: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $20,000 for property damage. Ensuring your insurance policy meets these standards is essential to avoid legal issues and stay compliant with Virginia’s guidelines.
| State | State Minimum | PIP? |
|---|---|---|
| Virginia | 30/60/20 | N/A |
SR-22 Insurance in Virginia: Essential Laws and Requirements
If someone is required to carry an SR-22 and fails to do so, they can face several severe consequences. Here’s a list of potential repercussions:
- License Suspension: The individual’s driver’s license will likely be suspended until they obtain and file the SR-22.
- Fines and Penalties: They may incur substantial fines and legal fees.
- Extended SR-22 Period: The required period for carrying SR-22 insurance may be extended.
- Vehicle Impoundment: Their vehicle might be impounded.
- Increased Insurance Rates: Future insurance premiums may be significantly higher due to being categorized as a high-risk driver.
- Court Appearances: They may be required to appear in court and face additional legal consequences.
- Difficulty Obtaining Insurance: It may become more challenging to find an insurance company willing to provide coverage.
- Revocation of Registration: Their vehicle registration could be revoked.
- Additional Charges: They could face additional charges or citations if caught driving without the required SR-22.
Understanding the essential laws and requirements for SR-22 insurance in Virginia is crucial for compliance. SR-22 insurance in Virginia mandates that high-risk drivers maintain specific liability coverage: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $20,000 for property damage. Non-compliance can result in severe penalties, including license suspension and additional fines. Ensuring your SR-22 insurance meets these requirements helps you stay compliant with Virginia’s laws and avoid these serious consequences.
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.
How much is the SR-22 fee in Virginia?
When filing for SR22 insurance in Virginia, you’ll need to pay a filing fee, typically ranging from $15 to $25. This fee is charged by the insurance company to submit the SR-22 form to the Virginia DMV on your behalf. It’s important to note that this fee is separate from your regular insurance premium and must be paid each time the SR-22 is filed.
In addition to the filing fee, you can expect an increase in your overall insurance rates due to the high-risk nature associated with needing an SR-22.
Key Points to Remember:
- Filing Fee: Expect to pay $15 to $25 for filing.
- Increased Premiums: SR-22 insurance typically costs more.
- Coverage Comparison: Compare rates from multiple companies for the best deal.
By understanding the costs associated with SR22 insurance in Virginia, you can better prepare for the financial impact and ensure you remain compliant with state requirements.
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.
Finding the Best SR22 Insurance Providers in Virginia for Liability-Only Coverage
When searching for SR22 Insurance Virginia, it’s crucial to find a provider that meets your specific needs, especially if you’re only seeking liability coverage. Virginia has various insurance companies offering SR22 insurance, but rates can differ significantly. Our brokerage works with reputable carriers such as Progressive, Dairyland, and The General, ensuring you receive the best options available.
To help you make an informed decision, we’ve compiled a comparison of average monthly rates for liability-only SR22 Insurance Virginia policies. This guide aims to simplify your search and help you find affordable and reliable coverage.
| Company | Average 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 |
When selecting an SR22 insurance provider, consider the following:
- Compare rates from multiple insurance companies.
- Look for providers specializing in high-risk insurance.
- Check for additional services like online quotes and phone support.
Best SR22 Insurance Providers in Virginia for Affordable Liability-Only Coverage
When selecting an SR22 insurance provider in Virginia, it’s essential to compare rates from various companies to find the best fit for your needs. Below is a comprehensive guide on SR22 Insurance Virginia:
Finding the right SR22 Insurance Virginia provider for liability-only coverage can be challenging, but comparing rates from multiple insurance companies helps. Companies like Progressive, Dairyland, and Travelers offer competitive rates for high-risk drivers. By utilizing online quotes and phone support, you can find the most affordable and suitable option for your needs.
| City | Company |
|---|---|
| Waynesboro | Geico |
| Petersburg | Progressive |
| Winchester | The General |
| Arlington | The General |
| West Springfield | Progressive |
| Springfield | Geico |
| Richmond | The General |
| Montclair | Geico |
| Chantilly | The General |
| Lorton | Geico |
| Virginia Beach | Progressive |
| Dale City | Progressive |
| Newport News | Geico |
| Culpeper | The General |
| Annandale | Geico |
| Fair Oaks | Progressive |
| South Riding | Progressive |
| Centreville | Geico |
| Kingstowne | The General |
| Idylwood | Progressive |
| Sudley | Geico |
| Oakton | Farmers |
| Staunton | Farmers |
| Roanoke | Geico |
| Buckhall | Dairyland* |
| Hopewell | Liberty Mutual |
| Radford | Progressive |
| Burke | The General |
| Norfolk | Geico |
| Franklin Farm | Geico |
| Short Pump | Geico |
| Blacksburg | Progressive |
| Lincolnia | Progressive |
| Manassas | Dairyland* |
| Cherry Hill | Liberty Mutual |
| Portsmouth | Progressive |
| Herndon | The General |
| Tysons | The General |
| Marumsco | Progressive |
| Rose Hill | Geico |
| Harrisonburg | The General |
| Hampton | Geico |
| Lynchburg | Geico |
| Ashburn | Geico |
| Bailey’s Crossroads | Geico |
| Laurel | Bristol West |
| Franconia | The General |
| Sterling | Geico |
| Linton Hall | Progressive |
| Salem | The General |
| Fairfax | Geico |
| Merrifield | Progressive |
| Danville | Geico |
| Leesburg | The General |
| Meadowbrook | The General |
| Fredericksburg | Progressive |
| McLean | Progressive |
| Tuckahoe | The General |
| Reston | Progressive |
| West Falls Church | Progressive |
| Mechanicsville | Progressive |
| Lake Ridge | Geico |
| Cave Spring | The General |
| Brambleton | The General |
| Woodlawn CDP | Progressive |
| Charlottesville | Liberty Mutual |
| Christiansburg | Liberty Mutual |
| Bon Air | Liberty Mutual |
| Neabsco | Dairyland* |
| Chester | Progressive |
Consider these tips when selecting your provider:
- Compare insurance rates from multiple insurance companies.
- Look for providers specializing in high-risk insurance.
- Check for additional services like online quotes and phone support.
Top 11 Reasons You Might Need SR22 Insurance in Virginia
When selecting an SR22 insurance provider in Virginia, it’s important to understand why you might need this type of coverage. Common reasons include major traffic violations, such as DUIs, multiple at-fault accidents, or driving without insurance. These situations often require filing an SR22 certificate to reinstate your driving privileges. Understanding these reasons can help you better prepare and find the right SR22 Insurance Virginia provider.
Finding affordable SR22 Insurance Virginia involves comparing rates from multiple providers. Companies like Progressive, Dairyland, and Travelers offer competitive options for high-risk drivers. Below is a comparison of average monthly rates for liability-only coverage, helping you make an informed decision. Remember, we are a brokerage, not the carrier, ensuring you get the best rates available.
| Insurance Company | Average Monthly Rate | Coverage Type |
|---|---|---|
| Progressive | $85 | Liability Only |
| Dairyland | $95 | Liability Only |
| Travelers | $100 | Liability Only |
| The General | $110 | Liability Only |
| National General | $90 | Liability Only |
Consider these tips when selecting your provider:
- Compare insurance rates from multiple insurance companies.
- Look for providers specializing in high-risk insurance.
- Check for additional services like online quotes and phone support.
| 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 Incarceration – Court 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. |
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 SR22 Insurance Rates in Virginia for Liability-Only Coverage (City-by-City Comparison)
Understanding the cost of SR22 Insurance Virginia is crucial when you need liability-only coverage. Rates can vary significantly depending on the city you live in. By comparing rates from different providers, you can find the most affordable options tailored to your specific needs. Companies like Progressive, Dairyland, and Travelers offer competitive rates for high-risk drivers.
Here’s a city-by-city comparison of average monthly rates for liability-only SR22 Insurance Virginia:
| City | Average 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 |
Consider these tips when selecting your provider:
- Compare insurance rates from multiple insurance companies.
- Look for providers specializing in high-risk insurance.
- Check for additional services like online quotes and phone support.
How to File SR22 Insurance in Virginia: Tips and Recommendations
Filing SR22 Insurance Virginia can be a straightforward process if you understand the requirements and follow key steps. First, familiarize yourself with Virginia’s SR22 insurance requirements, including the duration of the filing period, minimum coverage limits, and any additional state mandates. Next, select a reputable insurance provider. Companies like Progressive, Dairyland, and Travelers offer competitive rates and reliable service for SR22 filings in Virginia.
Here’s a comparison of average monthly rates for SR22 Insurance Virginia:
| Carrier | Cost |
|---|---|
| Assurance America | $25.00 |
| Liberty Mutual | $15-$25 |
| Mendota Ins. Company | $25.00 |
| Acceptance RTR | $25.00 |
| National General | $25.00 |
| Farmers | $15-$71 |
| Dairyland | Free |
| GAINSCO | $25.00 |
When filing an SR22 in Virginia, keep these tips in mind:
- Understand the requirements: Know the duration, coverage limits, and state mandates.
- Choose a reputable insurance provider: Look for competitive rates and good customer service.
- Maintain continuous coverage: Avoid lapses to prevent penalties.
- Budget for higher costs: Adjust for increased premiums due to SR22 status.
- Drive responsibly: Maintain a clean driving record to reinstate your driving privileges smoothly.
Some insurance companies do not offer SR22 insurance due to the higher risk. However, others provide SR22 filings for a small fee of $5-$25 per term, covering the entire period as long as your policy remains active.
Cheap SR-22 Insurance in Virginia full coverage
When looking for affordable full coverage SR22 Insurance Virginia, it’s important to compare rates from various providers. Companies like Progressive, Dairyland, and Travelers offer competitive options for high-risk drivers needing SR22 filings. This guide helps you understand your options and find the best rates for full coverage SR22 insurance.
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:
| City | Average 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 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.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Why Would I Need An SR22 Insurance?
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.
SR22 Insurance Process
01.
Consultation
We gather detailed information, ensuring you have all the facts before making a decision.
02.
Quote
Receive your SR22 insurance quote, customized to your unique needs and credit profile
03.
Filing
We work closely with the insurance carrier to ensure that the sr22 is filed with the state
04.
Policy Management
Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.
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Last Updated on by Marlon Moss