SR22 Insurance Virginia

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SR22 Insurance Virginia

SR22 Insurance in Virginia: What is an SR22?

Which Companies Offer SR22 Insurance in Virginia?

CompanySR22 Offered
American FamilyNo
GAINSCOYes
FarmersYes
GeicoYes
The GeneralYes
TravelersNo
SafecoNo
Progressive InsuranceYes
Bristol Westyes
Unsure where to start searching for an Insurance quote with SR-22? Check the companies listed above to see which companies do and don’t offer SR-22. Some companies do not, because they are considered for “high risk” drivers.

Lowest Full Coverage SR22 Insurance Rates In Virginia (By Company)

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
Needing full coverage, and an SR-22? You can have all of this on one insurance policy. Sometimes, people are unsure what exactly an SR-22 is, and think its a separate insurance policy, which is most likely going to be more expensive doing it that way. Here is the average cost for full coverage insurance, with an SR-22 in Virginia.

State Insurance Requirements in Virginia

StateState MinPIP?
Virginia25/50/20N/A
The Minimum Liability requirements in Virginia are 25/50/20. This will pay out for what you are liable for up to $25,000 per person for Bodily Injury, up to $50,000 per accident, and $20,000 for property damage.

SR-22/ FR-44 Insurance In Virginia: Laws You Need to Know

An SR-22 (Safety Responsibility) form, is typically required if you are caught driving with no insurance, cause 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.

Best Rates for Liability Only Plus SR22 Insurance in Virginia (By Company)

CompanySR22 Liability (average)
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
Only needing liability insurance with your SR-22? Here are the average rates for State Minimum Liability limits with your SR-22.

Who Has The Lowest Price For SR22 Insurance in Virginia? (Best Insurance Companies By City)

CityPrice
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
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.

Top 11 Reasons You May Be Required To Carry SR22 Insurance In Virginia

Excessive points violations
DWI (Driving while intoxicated)
Too many tickets in short period of time
Failure to maintain mandatory insurance coverage required by state law
License suspension for failure to pay fines
Driving while Suspended/revocation
DUI (Driving under the influence of Drugs or Alcohol)
Suspension of license due to child support
Previous incarceration
Multiple Traffic Offenses
At Fault accident with no insurance
Any Major Violation, such as listed above, 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.

Average Cost For SR-22 Insurance in Virginia: Liability Only

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

Filing Fees For SR22 Insurance In Virginia

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
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.

Lowest Cost For Full Coverage: SR22 Insurance In Virginia (By City)

CityPrice
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
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.

How much for SR22 insurance?

Depending on the carrier, typically the SR-22 Filing will be $25. For a Virginia liability only policy plus an SR22, on average you will be spending around $100 a month. Prices vary due to coverage on the policy as well as driving history that will impact rates.

What is the Cheapest SR22 Insurance in VA?

The cheapest SR22 insurance in Virginia can be found with a few of our carriers including Mendota, Bristol West, and Progressive Insurance. Prices can vary due to driving history, coverages on vehicle if you have one and even where you are living.

Which insurance companies offer SR22?

Companies that offer SR22 insurane in Virginia are Gainsco, Farmers, Geico, The General, Mendota, Travelers, Safeco and Progressive. Each company will have their own rate and SR22 filing fee. It is wise to check out each one to make sure you are getting the cheapest rate out there.

What’s SR22 insurance?

It is a filing that tells the state that you have insurance that meets the state minimum requirements. For Virginia, the liability limits that are required for the SR22 to fullfill it’s entirety will be $25,000 per person, $50,000 per accident.

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Last Updated on June 13, 2022 by Crystal Sullivan