Virginia SR-22 and FR-44 Insurance: What it Is and How Much it Costs

Being convicted of a high-risk driving offense, like reckless driving and driving uninsured, will require you to obtain SR-22 insurance in Virginia. An SR-22 is a form your insurer files with the state to buy higher liability limits. Both SR-22 and FR-44 forms are filed to prove that your auto insurance policy coverage complies with Virginia’s minimum requirements. Rates for policyholders with SR-22 or FR-44 vary, but tend to be higher than policies purchased by drivers with clean records. MoneyGeek found that State Farm offers the cheapest average rate in Virginia at $434 annually.

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Virginia SR-22 and FR-44 Insurance: Details and Average Costs

Typically, SR-22 and FR-44 insurance cost more than standard policies because of the severity of the associated traffic violation. For a minimum policy coverage for FR-44 insurance in Virginia, the average cost is $772 per year. That’s $349 more than the annual average cost for a standard policy for a driver with a clean record of $423. MoneyGeek found that the most affordable FR-44 insurance is offered by State Farm at an average cost of $343 per year.

Cheapest Companies for SR-22 Insurance in Virginia

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These costs are for a Virginia auto insurance policy that complies with the state minimum requirements or has full coverage, including $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs.

Insurers in Virginia have various considerations when calculating car insurance rates. The price of filing the SR-22 or FR-44 form, the severity of your violation and any discounts you have lost can make overall insurance costs higher for people with serious driving offenses. To find the most accurate policy and competitive prices, it is best to compare personalized quotes from at least three insurance providers.

Key Takeaways

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SR-22 and FR-44 insurance cost a one-time filing fee of $25.

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Drivers lose their eligibility for good driver discounts once they are convicted of committing a serious traffic violation, making an FR-44 or SR-22 insurance in Virginia significantly more expensive than a standard policy.

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Insurance premiums can vary depending on the severity of your violation. For example, a hit-and-run is considered worse than a DUI and therefore associated with higher insurance rates.

What Is SR-22 and FR-44 Insurance in Virginia? Who Needs It?

FR-44 and SR-22 insurance in Virginia and elsewhere are not types of auto insurance policies. FR-44 and SR-22s are forms that your insurer files with the state on your behalf to prove your insurance policy coverage complies with Virginia’s minimum requirement. An SR-22 is necessary for drivers with serious driving violations, like driving while uninsured. FR-44 forms are used for violations related to driving under the influence of alcohol or drugs. Insurance after a DUI is significantly more expensive than policies purchased by people with clean driving records.

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VIRGINIA MINIMUM CAR INSURANCE REQUIREMENTS

The purpose of both SR-22 and FR-44 insurance is to prove you have enough coverage to comply with Virginia's minimum liability requirements.

The minimum requirements for SR-22 insurance in Virginia include:

  • $25,000 bodily injury liability coverage per person;
  • $50,000 bodily injury liability coverage per accident;
  • $20,000 property damage liability coverage per accident;
  • $25,000 uninsured/underinsured motorist coverage per person;
  • $50,000 uninsured/underinsured motorist coverage per accident;
  • $20,000 uninsured/underinsured motorist property damage coverage per accident.

For FR-44 insurance, the state minimum requirements include:

  • $50,000 bodily injury liability coverage per person;
  • $100,000 bodily injury liability coverage per accident;
  • $40,000 property damage liability coverage per accident;
  • $25,000 uninsured/underinsured motorist coverage per person;
  • $50,000 uninsured/underinsured motorist coverage per accident;
  • $20,000 uninsured/underinsured motorist property damage coverage per accident.

Who Needs SR-22 and FR-44 Insurance in Virginia and for How Long?

Violations that result in SR-22 insurance vary depending on the state. In Virginia, a driver will likely have to file for SR-22 coverage if they commit any of the following violations:

  • Reckless driving
  • Driving without insurance coverage
  • Driving with a suspended license

Meanwhile, FR-44 insurance in Virginia is necessary if a driver is convicted of a DUI.

After minor violations, like a ticket or standard accident, an SR-22 and FR-44 are usually not required. While these drivers may experience some increases in their premiums, their costs will not be as high as policies for drivers who need either an SR-22 or FR-44.

How long you need SR-22 or FR-44 insurance in Virginia depends on the severity of your conviction. In most cases, drivers have to maintain an SR-22 or FR-44 for three years.

How Do You Get SR-22 and FR-44 Insurance in Virginia?

Your insurance company submits the FR-44 or SR-22 insurance in Virginia upon your request. However, some carriers may choose not to cover high-risk drivers that need SR-22 or FR-44 insurance. If that’s the case, you’ll have to look for an insurer that offers this service. Typically, insurers that accept policyholders with serious traffic violations charge higher rates.

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Non-Owner SR-22 and FR-44 Insurance in Virginia

If you commit a major traffic violation in Virginia, your driving privileges may get suspended. Even if you do not have a car of your own, you will need to provide proof that you have bought car insurance before you get a license or have your privileges reinstated. You can do this by filing an SR-22, which is more affordable than policies purchased with car ownership.

Non-owner SR-22 insurance is ideal for drivers who regularly rent cars or borrow from family and friends. It provides an excellent option for drivers who are non-car owners to save a percentage of their car insurance premiums.

In Virginia, the cheapest non-owner car insurance, on average, comes from GEICO, at $254 per year. The provider with the second-lowest rate is State Farm, at $306 per year on average. The average cost of non-owner insurance in the state is $659 per year.

The Average Cost of Non-Owner SR-22 Car Insurance in Virginia

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The rates used by MoneyGeek in this analysis are for Virginia drivers with a DUI purchasing car insurance coverage with $50,000 bodily injury liability coverage per person, $100,000 in bodily injury liability coverage per accident and a property damage liability coverage of $50,000 per accident.

FAQs About SR-22 Insurance in Virginia

Drivers looking for SR-22 or FR-44 insurance in Virginia may have several questions regarding forms, rates, filing processes and available, affordable insurers. Find answers to these and more below.

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Methodology

MoneyGeek analyzed car insurance premiums from ten of the top insurance companies in Virginia that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Virginia. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.