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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 SR-22 form is required to prove financial responsibility.

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2023

Cheapest Companies for SR-22 Car Insurance in Virginia

Cheapest Companies for SR-22 and FR-44 Car Insurance in Virginia

For minimum coverage policies, the following providers offer the cheapest SR-22 insurance in Virginia for drivers with a DUI:

For full coverage policies, the following insurance companies offer the most cost-effective SR-22 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 car insurance coverage in Virginia, with annual premiums ranging from $331 to $1,240.

Company
Annual Premium
Monthly Premium

American Family

$243

$20

Mercury

$251

$21

State Farm

$281

$23

Virginia Farm Bureau

$293

$24

American Family

$297

$25

State Farm

$299

$25

Virginia Farm Bureau

$300

$25

State Farm

$313

$26

State Farm

$313

$26

Mercury

$318

$27

American Family

$327

$27

Auto-Owners Insurance Co

$328

$27

State Farm

$331

$28

State Farm

$331

$28

American Family

$334

$28

Cincinnati Insurance

$335

$28

American Family

$336

$28

State Farm

$342

$28

Mercury

$345

$29

Auto-Owners Insurance Co

$353

$29

Erie

$354

$29

State Farm

$355

$30

Cincinnati Insurance

$356

$30

Mercury

$356

$30

Erie

$359

$30

State Farm

$361

$30

Auto-Owners Insurance Co

$363

$30

Virginia Farm Bureau

$366

$30

Virginia Farm Bureau

$367

$31

Nationwide

$367

$31

Mercury

$369

$31

Auto-Owners Insurance Co

$369

$31

Auto-Owners Insurance Co

$369

$31

Mercury

$374

$31

Virginia Farm Bureau

$376

$31

Nationwide

$377

$31

Cincinnati Insurance

$386

$32

Mercury

$387

$32

Travelers

$392

$33

State Farm

$397

$33

State Farm

$397

$33

Auto-Owners Insurance Co

$407

$34

Cincinnati Insurance

$408

$34

Auto-Owners Insurance Co

$409

$34

Auto-Owners Insurance Co

$409

$34

Erie

$414

$34

Virginia Farm Bureau

$417

$35

Erie

$418

$35

American Family

$418

$35

Allstate

$419

$35

American Family

$424

$35

Travelers

$425

$35

Virginia Farm Bureau

$428

$36

State Farm

$433

$36

Virginia Farm Bureau

$441

$37

Allstate

$448

$37

Travelers

$450

$37

Nationwide

$452

$38

American Family

$452

$38

Virginia Farm Bureau

$453

$38

Cincinnati Insurance

$454

$38

Erie

$455

$38

Nationwide

$456

$38

Auto-Owners Insurance Co

$456

$38

GEICO

$456

$38

Virginia Farm Bureau

$457

$38

Nationwide

$463

$39

Cincinnati Insurance

$474

$40

American Family

$478

$40

American Family

$484

$40

Allstate

$486

$40

Mercury

$515

$43

GEICO

$516

$43

Travelers

$520

$43

Virginia Farm Bureau

$524

$44

Erie

$526

$44

Nationwide

$527

$44

Erie

$528

$44

Mercury

$530

$44

Erie

$532

$44

Mercury

$532

$44

Nationwide

$541

$45

Travelers

$545

$45

Travelers

$549

$46

Nationwide

$550

$46

GEICO

$551

$46

Virginia Farm Bureau

$556

$46

Mercury

$556

$46

Auto-Owners Insurance Co

$558

$47

GEICO

$565

$47

Allstate

$567

$47

Travelers

$576

$48

Travelers

$583

$49

Allstate

$592

$49

GEICO

$599

$50

American Family

$601

$50

American Family

$610

$51

Travelers

$619

$52

Nationwide

$621

$52

GEICO

$623

$52

Progressive

$624

$52

Travelers

$624

$52

Auto-Owners Insurance Co

$626

$52

Nationwide

$635

$53

Progressive

$636

$53

Erie

$643

$54

Allstate

$644

$54

Nationwide

$646

$54

Allstate

$646

$54

Erie

$647

$54

Nationwide

$651

$54

Travelers

$654

$55

Cincinnati Insurance

$666

$55

Erie

$675

$56

Allstate

$676

$56

State Farm

$684

$57

Virginia Farm Bureau

$686

$57

Auto-Owners Insurance Co

$689

$57

American Family

$694

$58

Nationwide

$694

$58

National General

$704

$59

Travelers

$704

$59

National General

$705

$59

American Family

$705

$59

GEICO

$713

$59

Erie

$720

$60

Auto-Owners Insurance Co

$720

$60

Auto-Owners Insurance Co

$720

$60

Progressive

$723

$60

State Farm

$724

$60

Auto-Owners Insurance Co

$725

$60

Erie

$725

$60

Allstate

$735

$61

Auto-Owners Insurance Co

$739

$62

Nationwide

$740

$62

Mercury

$741

$62

Virginia Farm Bureau

$748

$62

State Farm

$748

$62

State Farm

$748

$62

Cincinnati Insurance

$749

$62

Virginia Farm Bureau

$753

$63

Auto-Owners Insurance Co

$760

$63

GEICO

$762

$64

Allstate

$769

$64

Mercury

$770

$64

Cincinnati Insurance

$774

$64

GEICO

$774

$65

Auto-Owners Insurance Co

$795

$66

Nationwide

$800

$67

Allstate

$804

$67

State Farm

$804

$67

Mercury

$807

$67

Progressive

$807

$67

State Farm

$812

$68

State Farm

$812

$68

American Family

$812

$68

Nationwide

$815

$68

Erie

$825

$69

Erie

$826

$69

American Family

$826

$69

Progressive

$830

$69

Cincinnati Insurance

$831

$69

Erie

$834

$70

Travelers

$843

$70

Travelers

$845

$70

Nationwide

$847

$71

American Family

$867

$72

State Farm

$872

$73

Cincinnati Insurance

$872

$73

Virginia Farm Bureau

$876

$73

Progressive

$876

$73

Allstate

$878

$73

National General

$898

$75

Progressive

$907

$76

Cincinnati Insurance

$913

$76

State Farm

$921

$77

Virginia Farm Bureau

$921

$77

Progressive

$923

$77

Nationwide

$924

$77

Erie

$927

$77

Allstate

$929

$77

Auto-Owners Insurance Co

$931

$78

Auto-Owners Insurance Co

$931

$78

Progressive

$936

$78

National General

$946

$79

Progressive

$947

$79

Virginia Farm Bureau

$957

$80

Virginia Farm Bureau

$967

$81

Cincinnati Insurance

$969

$81

Nationwide

$979

$82

Allstate

$979

$82

Cincinnati Insurance

$980

$82

GEICO

$980

$82

Nationwide

$981

$82

Virginia Farm Bureau

$983

$82

Allstate

$990

$82

Progressive

$1,002

$83

Travelers

$1,006

$84

State Farm

$1,010

$84

State Farm

$1,010

$84

American Family

$1,019

$85

Progressive

$1,021

$85

Cincinnati Insurance

$1,027

$86

American Family

$1,030

$86

GEICO

$1,033

$86

Auto-Owners Insurance Co

$1,035

$86

Erie

$1,039

$87

Cincinnati Insurance

$1,042

$87

Progressive

$1,045

$87

Erie

$1,046

$87

Mercury

$1,052

$88

Erie

$1,059

$88

Virginia Farm Bureau

$1,061

$88

Virginia Farm Bureau

$1,061

$88

Progressive

$1,066

$89

National General

$1,071

$89

GEICO

$1,083

$90

Mercury

$1,088

$91

State Farm

$1,089

$91

Nationwide

$1,091

$91

Mercury

$1,103

$92

American Family

$1,108

$92

Mercury

$1,112

$93

Cincinnati Insurance

$1,138

$95

Nationwide

$1,141

$95

GEICO

$1,144

$95

Nationwide

$1,146

$96

Virginia Farm Bureau

$1,158

$97

Auto-Owners Insurance Co

$1,161

$97

Mercury

$1,170

$98

National General

$1,176

$98

Virginia Farm Bureau

$1,179

$98

Kemper

$1,184

$99

Travelers

$1,197

$100

American Family

$1,201

$100

Allstate

$1,220

$102

Progressive

$1,221

$102

Auto-Owners Insurance Co

$1,225

$102

Kemper

$1,226

$102

GEICO

$1,228

$102

Kemper

$1,240

$103

Travelers

$1,245

$104

Travelers

$1,249

$104

American Family

$1,250

$104

Erie

$1,252

$104

Erie

$1,260

$105

GEICO

$1,260

$105

GEICO

$1,263

$105

GEICO

$1,270

$106

Allstate

$1,281

$107

Kemper

$1,284

$107

Allstate

$1,287

$107

Travelers

$1,304

$109

Nationwide

$1,308

$109

Travelers

$1,309

$109

Kemper

$1,336

$111

Erie

$1,336

$111

Progressive

$1,354

$113

Progressive

$1,356

$113

Travelers

$1,367

$114

Allstate

$1,375

$115

Travelers

$1,375

$115

Kemper

$1,400

$117

Progressive

$1,421

$118

GEICO

$1,421

$118

Progressive

$1,429

$119

Travelers

$1,432

$119

Allstate

$1,447

$121

Allstate

$1,452

$121

National General

$1,463

$122

National General

$1,463

$122

American Family

$1,494

$124

Travelers

$1,502

$125

Kemper

$1,519

$127

Mercury

$1,538

$128

Cincinnati Insurance

$1,539

$128

Mercury

$1,556

$130

Progressive

$1,572

$131

Progressive

$1,585

$132

Progressive

$1,596

$133

GEICO

$1,604

$134

National General

$1,606

$134

GEICO

$1,606

$134

Erie

$1,612

$134

Allstate

$1,618

$135

Mercury

$1,625

$135

Auto-Owners Insurance Co

$1,625

$135

Mercury

$1,628

$136

Kemper

$1,629

$136

Progressive

$1,698

$141

National General

$1,702

$142

Allstate

$1,707

$142

GEICO

$1,711

$143

Allstate

$1,715

$143

Kemper

$1,716

$143

American Family

$1,740

$145

Kemper

$1,742

$145

National General

$1,749

$146

National General

$1,749

$146

National General

$1,783

$149

National General

$1,783

$149

Cincinnati Insurance

$1,801

$150

Progressive

$1,837

$153

Kemper

$1,869

$156

Kemper

$1,971

$164

Cincinnati Insurance

$2,043

$170

National General

$2,086

$174

Cincinnati Insurance

$2,134

$178

Kemper

$2,184

$182

Kemper

$2,192

$183

Mercury

$2,274

$190

National General

$2,290

$191

Kemper

$2,291

$191

Cincinnati Insurance

$2,291

$191

Kemper

$2,299

$192

GEICO

$2,423

$202

GEICO

$2,433

$203

GEICO

$2,528

$211

Kemper

$2,535

$211

Cincinnati Insurance

$2,564

$214

Kemper

$2,659

$222

National General

$2,727

$227

Kemper

$2,764

$230

Kemper

$2,848

$237

National General

$2,881

$240

National General

$3,192

$266

National General

$3,192

$266

Kemper

$3,217

$268

Kemper

$3,265

$272

Kemper

$3,356

$280

Kemper

$3,811

$318

National General

$3,890

$324

National General

$3,890

$324

National General

$3,891

$324

National General

$3,891

$324

Cincinnati Insurance

$4,848

$404

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What Are SR-22 and FR-44 in Virginia?

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

The FR-44 form is similar to the SR-22 but is mandated in only a few states, including Virginia. 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.

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

  • Maiming while under the influence
  • 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 filing for three years, depending on the severity of the offense committed.

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

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Your insurance provider is responsible for submitting a Financial Responsibility Cancellation Form once you have successfully met the obligations of your financial responsibility requirement.

In Virginia, the SR-26 form is used to notify the state about the cancellation or termination of the SR-22, whereas the FR-46 form must be filed with the state when the FR-44 form is no longer applicable.

By submitting these cancellation forms, you are informing the state that you are no longer obligated to maintain an active SR-22 or FR-44 filing.

Cheapest Companies for Non-Owner SR-22 and FR-44 Car Insurance in Virginia

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

For military members and their families, USAA is another excellent option as it provides non-owner SR-22 car insurance at an affordable annual premium of $379.

Non-owner drivers may be required to file an SR-22 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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$250

$21

Auto-Owners Insurance Co

$250

$21

State Farm

$314

$26

State Farm

$355

$30

Travelers

$376

$31

GEICO

$393

$33

Travelers

$519

$43

Nationwide

$527

$44

GEICO

$564

$47

Nationwide

$633

$53

Progressive

$664

$55

Kemper

$784

$65

Progressive

$984

$82

Kemper

$1,143

$95

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WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance in In Virginia is specifically designed to offer coverage when driving a vehicle you do not own. This form of insurance is commonly sought by individuals who do not own a personal vehicle but need to drive regularly.

Non-owner car insurance may be necessary for renters, rideshare drivers, professional drivers and those who need to file SR-22 or FR-44 forms. When searching for affordable non-owner SR-22 insurance in Virginia, you should compare rates from multiple insurers to find the best option.

Average Cost of SR-22 and FR-44 Car Insurance in Virginia

Virginia drivers with a DUI can expect to pay an average annual cost of $704 for minimum coverage and $1,521 for full coverage SR-22 insurance. It is important to note that this document may be required even for minor violations like a speeding ticket.

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.

Driving Record
Annual Premium
Monthly Premium

Ticket

$675

$56

At-Fault Accident

$1,551

$129

DUI

$874

$73

DUI

$756

$63

At-Fault Accident

$692

$58

Clean

$461

$38

DUI

$1,521

$127

At-Fault Accident

$1,809

$151

Ticket

$737

$61

Ticket

$1,379

$115

At-Fault Accident

$832

$69

DUI

$704

$59

DUI

$1,938

$162

Ticket

$1,613

$134

At-Fault Accident

$764

$64

Clean

$950

$79

Ticket

$1,308

$109

Ticket

$612

$51

Clean

$538

$45

Clean

$443

$37

Clean

$942

$78

DUI

$1,569

$131

Clean

$1,190

$99

At-Fault Accident

$1,473

$123

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If you need to file an SR-22 in Virginia, we strongly recommend comparing insurance rates every year or whenever you update your policy. Shopping around can help you secure the best SR-22 insurance in Virginia, as insurance costs can vary significantly among providers.

How SR-22 and FR-44 Affect Car Insurance Rates in Virginia

Filing an SR-22 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 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.

Car Insurance Rate Comparison Based on Driving Records in Virginia

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$455
accident2
After a DUI

Annual Premium for Minimum Coverage

$704
Car insurance premiums after a DUI are on average: :$249 more

This is 55% more expensive.

Other Effects of SR-22 and FR-44 on Car Insurance in Virginia

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

1

Limited number of insurance options

When you are required to file an SR-22 or FR-44, your options for insurance providers may become limited as not all companies offer these filings. Some insurers may be hesitant to cover high-risk drivers, which could further restrict your choices when selecting an insurance provider for SR-22 and FR-44 requirements.

2

Possible policy cancellation

In Virginia, filing SR-22 and FR-44 insurance documents could result in the cancellation of your insurance policy. It's important to fulfill the requirements and maintain compliance to avoid policy termination. This entails timely payment of bills, adherence to the mandated liability coverage limits and practicing careful driving to prevent further violations.

3

Length of required filing

In Virginia, the usual requirement is to maintain an SR-22 or an FR-44 filing for a period of three years, which can vary depending on the seriousness of the offense. Ensuring continuous insurance coverage throughout this duration is crucial, as failure to comply may result in penalties, including the suspension of your license.

4

Higher liability coverage limits

Your car insurance may require higher liability coverage limits after filing an SR-22 or an FR-44 in Virginia. The minimum liability coverage standards set by the state for these filings are as follows:

  • $60,000 in bodily injury liability per person
  • $120,000 in bodily injury liability per accident
  • $40,000 in property damage liability per accident
5

Filing fees

In some states, you may have to pay a one-time filing fee when obtaining SR-22 and FR-44 forms. The specific amount of this fee can vary depending on the insurance provider and the details of your situation. In Virginia, insurance companies generally charge a one-time filing fee for the initial SR-22 form, typically ranging from $15 to $50.

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How to Get SR-22 Insurance in Virginia

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

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

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

driverLicense icon
VIRGINIA LICENSE REINSTATEMENT FEE

The cost to reinstate a license in Virginia varies depending on the reason for the suspension. Typically, the reinstatement fee is either $145 or $175. Please note that this fee is subject to change. We recommend consulting your local DMV for the most up-to-date and accurate information.

How to Get Cheaper Car Insurance in Virginia After a DUI

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 SR-22 car insurance.

  • find icon

    Compare quotes immediately

    To find the most suitable and affordable car insurance after a DUI in Virginia, comparing insurance costs offered by different companies is advisable. Each insurer may have varying rates and underwriting requirements for individuals with DUI records. By obtaining estimates from multiple insurers, you can evaluate and select the option that meets your needs and budget.

  • car icon

    Complete DUI classes or programs

    The Virginia Alcohol Safety Action Program (VASAP) is a statewide program that provides education, intervention and treatment services for DUI offenders. Enrolling in these programs demonstrates your commitment to addressing the issue and can help reduce the probability of future offenses. As a result, insurance companies may view you as a lower risk, potentially leading to more affordable insurance rates.

  • coins2 icon

    Look for discounts

    Many car insurance providers offer discounts to customers who meet specific criteria. For example, if you have a clean record or successfully completed a safety driving course, you may qualify for a discount. To determine your eligibility for any discounts, we highly recommend reaching out to your insurance provider directly.

  • seatbelt icon

    Practice safe driving

    Consistently practicing safe driving habits can lead to a reduction in your insurance costs over time. By obeying traffic laws, avoiding accidents and new offenses and maintaining a clean driving record, you can gradually lessen the impact of a DUI conviction on your insurance rates.

  • calendar icon

    Shop rates over time

    MoneyGeek recommends regularly exploring other car insurance options, even if you have already secured an affordable policy. You may find opportunities to obtain a better deal by continuously evaluating available options. As your driving record improves and you consistently demonstrate safe driving habits, you may become eligible for lower rates from different insurance providers.

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Non-standard car insurance is designed to cater to individuals who may face difficulties obtaining coverage from traditional providers due to their prior records or high-risk situations. It is an option for high-risk drivers who might otherwise struggle to acquire coverage, even though it typically comes with higher rates than standard insurance policies.

Frequently Asked Questions About SR-22 and FR-44 Insurance in Virginia

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

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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