Cheapest SR-22 Car Insurance in Virginia (2024)

State Farm offers the cheapest SR-22 insurance in Virginia for minimum coverage at $331 per year, followed by Mercury at $356 per year. State Farm is also the most affordable for full coverage at $812 per year, followed by Virginia Farm Bureau at $876 per year.

For non-owner SR-22 insurance in Virginia, Auto-Owners provides the most cost-effective option at $250 per year, followed by State Farm at $355 per year.

If you have committed a serious driving offense like a DUI in Virginia, filing an FR-44 form is required to prove financial responsibility. It will result in paying more for auto insurance, just like an SR-22 requirement.

For minimum coverage policies, the following providers offer the cheapest FR-44 insurance in Virginia for drivers with a DUI:

• State Farm: $331 per year
• Mercury: $356 per year

For full coverage policies, the following insurance companies offer the most cost-effective FR-44 policies:

• State Farm: $812 per year
• Virginia Farm Bureau: $876 per year

Auto insurance costs generally rise after a driving offense due to the perception that you are more likely to file claims. Here are some of the top deals on SR-22/FR-44 car insurance coverage in Virginia, with annual premiums ranging from $331 to $1,240.

The SR-22 certificate is proof of financial responsibility, indicating that you have car insurance coverage. It is not an insurance policy but a mandatory requirement imposed by certain states for drivers convicted of specific driving offenses.

In Virginia, you are required to obtain SR-22 certification for the following convictions:

• Unsatisfied judgments
• Suspension due to an uninsured motor vehicle
• Failure to provide proof of insurance
• Falsification of insurance certification
• License suspension resulting from a conviction
• Reckless driving

The FR-44 form is similar to the SR-22 but is mandated in only two states: Virginia and Florida. The main difference between the two forms is the higher liability coverage required by the FR-44. Consequently, having an FR-44 form will result in higher insurance premiums than an SR-22 form in Virginia and typically fewer options on obtaining coverage.

In Virginia, an FR-44 certification is mandatory for these convictions:

• Maiming while under the influence of alcohol
• Driving while under the influence of intoxicants or drugs
• Driving with a forfeited driver's license due to a conviction or finding of guilt in the case of a juvenile
• Violation of similar provisions under federal law, the laws of other states or valid local ordinances

Typically, in Virginia, you must maintain the SR-22/FR-44 filing for three years, depending on the severity of the offense committed.

Your insurance provider completes the SR-22/FR-44 form on your behalf and submits it to Virginia's Department of Motor Vehicles (DMV). Filing for an SR-22/FR-44 may result in higher insurance rates due to being considered a high-risk driver.

The following insurance providers offer the most affordable non-owner SR-22/FR-44 insurance in Virginia:

• Auto-Owners: $250 per year
• State Farm: $355 per year

For active-duty military, veterans and their eligible family members, USAA is another excellent option as it provides non-owner SR-22/FR-44 car insurance at an affordable annual premium of $379.

Non-owner drivers may be required to file an SR-22 or FR-44 if their license has been suspended or revoked or if they have recently committed a serious driving violation. Non-owner car coverage can assist you in regaining your license. MoneyGeek compared quotes from various non-owner car insurance companies and identified the most affordable options in Virginia, with annual rates ranging from $250 to $1,143.

Virginia drivers with a DUI can expect to pay an average annual cost of $704 for minimum coverage and $1,521 for full coverage FR-44 insurance. An SR-22 is required for most other serious infractions.

Insurance companies consider drivers with traffic violations to be higher-risk individuals. They assess a driver's likelihood of filing claims based on statistical data and risk analysis systems. As a result, insurance rates are adjusted to reflect the increased risk associated with your driving record. But most traffic violations, such as a speeding ticket, do not require an SR-22 or FR-44 filing.

Filing an SR-22 or FR-44 can significantly impact car insurance costs, often leading to increased rates. In Virginia, drivers required to submit an SR-22 should expect an average rate increase of $249.

To find the most affordable SR-22 or FR-44 insurance in Virginia that meets the state's financial responsibility requirements, comparing prices from different insurance providers and exploring potential discounts is advisable. Several factors, such as state regulations, the severity of the charge, individual driving history and the insurance provider, can influence insurance prices.

Filing an SR-22 or FR-44 in Virginia can have multiple implications for your auto insurance beyond higher rates. Here are several scenarios where submitting an SR-22 or FR-44 could affect your insurance coverage:

To obtain SR-22 insurance in Virginia or FR-44 insurance, you should follow these steps:

• Find a car insurance provider that offers coverage to drivers with serious moving violations.
• Obtain an insurance policy that meets Virginia SR-22/FR-44 requirements.
• Request your insurance provider to submit an SR-22 or FR-44 form to the Virginia Department of Motor Vehicles (DMV) on your behalf.
• Pay any necessary fees associated with submitting the SR-22 or FR-44 form.
• Keep your SR-22 or FR-44 documentation current and maintain continuous insurance coverage for the required duration.

With SR-22 insurance or FR-44 insurance, you can prove to the appropriate authorities that you are taking accountability for your driving behavior.

Acquiring insurance coverage following a DUI conviction often results in higher insurance prices. Insurance companies generally consider DUI records as substantial risk factors, leading to increased premiums. However, there are steps you can take to mitigate the overall cost of FR-44 car insurance.

It's crucial to have a clear understanding of SR-22 and FR-44 insurance. MoneyGeek is here to assist you by answering frequently asked questions about Virginia SR-22/FR-44 car insurance, ensuring you have the necessary information.