Cheapest SR-22 Car Insurance in Virginia (August 2024)

An SR-22 is a certification of financial responsibility, not a car insurance policy. In Virginia, either you or your insurance company must file this form after certain driving violations, such as driving without insurance. If you have DUI, your insurance company must file an FR-44. Though the SR-22 and FR-44 themselves doesn't affect your rates, the infractions necessitating it can cause your premiums to climb substantially.

For drivers in need of SR-22, the two most affordable insurance companies are Virginia Farm Bureau with an annual rate of $384 and Mercury at $426 per year. These options provide state minimum coverage for those looking to manage costs post-violation.

If you require non-owner car insurance with an SR-22, the two cheapest options are Auto-Owners at $250 annually and State Farm with a yearly rate of $355. These rates offer a financial relief for Virginia residents who need to maintain insurance coverage without owning a vehicle.

The cheapest companies for minimum coverage SR-22 car insurance in Virginia are:

• Virginia Farm Bureau: $32 per month, $384 per year
• Mercury: $35 per month, $426 per year

The least expensive providers for full coverage SR-22 insurance in Virginia are:

• Virginia Farm Bureau: $78 per month, $934 per year
• Progressive: $94 per month, $1,129 per year

After a driving violation, expect to pay more for car insurance as your risk profile increases. Nonetheless, affordable cheap SR-22 car insurance is available. Comparing quotes from various insurers is key to finding cost-effective options for both state minimum coverage and full coverage car insurance.

When it comes to SR-22 insurance, securing the most affordable rates in Virginia is essential. Take the time to research and compare to ensure you're getting the best deal possible.

The companies with the cheapest non-owner SR-22 insurance in Virginia are:

• Auto-Owners: $21 per month, $250 per year
• State Farm: $30 per month, $355 per year

Non-owner car insurance can fulfill the liability coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This is often necessary after a license suspension, revocation, or a serious traffic violation.

For non-owner drivers, it's crucial to find the most affordable provider to ensure that they are meeting legal requirements without overpaying for their insurance coverage.

SR-22 insurance is not actual insurance but a certificate your insurer files with Virginia's DMV to prove you have the required coverage after serious traffic offenses. It's typically required for three years, and insurance companies must notify the state if your SR-22 is cancelled, terminated or lapses. An SR-22 confirms you're meeting the state's minimum car insurance requirements, which include:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $20,000 uninsured/Underinsured property damage coverage

If you don't own a vehicle, Virginia may require you to obtain SR-22 non-owner car insurance. Remember, carrying an insurance policy card is not enough; the SR-22 is a separate requirement.

Certain drivers in Virginia need to file an SR-22 form to keep their license active. This requirement kicks in after serious traffic offenses, including driving without insurance. An SR-22 proves you have the minimum coverage required by law. If you've faced a DUI charge, you'll need to file an FR-44 instead, which demands higher coverage.

These forms are necessary for three years, and your insurer will alert the state if your policy lapses. Below, you'll find a list of convictions that mandate an SR-22, ensuring you stay road-legal in Virginia.

Virginia drivers filing for an SR-22 may face not just higher rates and limited minimum coverage options, but also risk policy termination or outright denial of coverage. Maintain continuous coverage to avoid resetting the SR-22 period, which typically lasts for three years in the state. Knowing these facts helps drivers avoid unexpected pitfalls and ensures they're properly covered.

Understanding the consequences of not filing an SR-22 is key to maintaining legal driving status and avoiding further penalties.

Below is the list of how an SR-22 negatively impacts your car insurance:

The average cost of SR-22 car insurance in Virginia for drivers with a DUI is $1,726 annually for full coverage and $820 for state minimum coverage. In comparison, drivers with a clean record pay $1,081 for full coverage and $526 for state minimum coverage. This highlights the financial impact of a DUI on insurance premiums in Virginia.

The severity of your offense directly affects your premiums. It's not the SR-22 certificate that raises your rates but the violations associated with it. If you have multiple offenses or a severe violation, your insurer might not renew your policy or could increase your rates at renewal.

An SR-22 certificate typically lasts for three years. During this period, you must maintain the required coverage, which includes minimum liability coverage. Ensuring continuous coverage is essential to avoid further penalties or complications.

Filing an SR-22 in Virginia is mandatory after serious traffic offenses, including DUI. It proves you carry the state minimum coverage for three years. Failure to file can result in severe penalties, including license suspension.

Here are the steps to secure an SR-22 in Virginia:

If your SR-22 in Virginia lapses, your driving rights will be suspended again. To drive legally, you'll need a new SR-22. This means paying for minimum coverage auto insurance and extra fees. The state requires you to keep this insurance for three years.

A DUI can bump up your car insurance costs, but don't fret; affordable coverage is still within reach. For example, a driver aged 30 to 59 with a clean record pays an annual premium of around $524 for car insurance after a DUI, which jumps to about $818 with a DUI. That's a shift from $44 to $68 per month.

In Virginia, if you're navigating the SR-22 requirements, know that minimum coverage doesn't have to break the bank. By comparing rates and exploring your options, you can secure a financial lifeline that keeps you on the road without draining your wallet.

Finding affordable SR-22 insurance in Virginia can be a challenge. Get answers to your questions about finding the most cost-effective options here.