SR22 Insurance Virginia: Fast Filing, 2025–2026 Rates & Same-Day Proof
Need SR22 insurance in Virginia after a license suspension, DUI, or lapse in coverage? We file SR22 forms with the Virginia DMV, keep your policy active, and compare high risk insurance rates so you aren’t overpaying for auto insurance or non owners coverage.
We compare multiple insurance companies like Progressive, Dairyland, Gainsco, Bristol West, The General, and Assurance America to help you find cheap SR22 insurance in Virginia.
Many Virginia drivers save when switching their SR22 policy to us, especially after rate increases tied to violations or DUI convictions. Here's what some of them have said:
Why Choose A Plus Insurance for Your Virginia SR22 Insurance
SR22 insurance in Virginia is not just a form; it's proof to the DMV that you carry the required liability coverage. Our team specializes in high risk auto insurance, SR22 filings, FR44 filings, and non owners policies.
SR22 and FR44 Experts
We file SR22 and FR44 forms electronically with the Virginia DMV and guide you through reinstatement.
Multiple Companies, One Quote
We compare rates from Progressive, Dairyland, Gainsco, Bristol West, The General, and Assurance America.
More Than Just SR22
We also help with auto insurance, homeowners insurance, business insurance, and motorcycle coverage.
2026 SR22 Insurance Rates in Virginia (Compared to Texas)
Below are example rate ranges based on common high risk profiles. These are not exact quotes but a realistic preview of what Virginia drivers may see in 2026.
| Driver Profile | State | Coverage Type | Estimated Range (Per Month) |
|---|---|---|---|
| Uninsured violation | Virginia | Liability only SR22 | $95 – $165 |
| Uninsured violation | Texas | Liability only SR22 | $110 – $180 |
| DUI (FR44 in VA) | Virginia | Full Coverage | $170 – $260 |
| DUI | Texas | Full Coverage | $185 – $275 |
| Non Owners SR22 | Virginia | Non Owners | $55 – $110 |
| Non Owners SR22 | Texas | Non Owners | $65 – $120 |
Virginia SR22 Requirements, FR44 Rules, and DMV Basics
Virginia SR22 insurance is required when the DMV mandates proof of liability coverage for reinstatement. This typically lasts three years. FR44 is required after many DUI convictions and requires higher limits.
When Does Virginia Require SR22?
- Uninsured driving violations
- Suspended or revoked license
- At-fault accidents while uninsured
- Court-ordered financial responsibility
SR22 vs FR44
FR44 requires higher liability limits and is stricter than SR22. We help determine which filing you need.
Non Owners SR22
Ideal if you don't own a vehicle. It provides liability coverage but does not insure the vehicle you borrow.
SR22 Insurance Virginia FAQs (2025–2026)
How much does SR22 insurance cost in Virginia?
Most drivers see $95–$260 monthly depending on violations and coverage type.
How fast can I get SR22 insurance?
Same-day filing is available in most cases.
Which companies file SR22 in Virginia?
We work with Progressive, Dairyland, Gainsco, Bristol West, The General, and Assurance America.
Last Updated on by Jayleen Ridgeway