Cheapest SR-22 Car Insurance in Virginia

Travelers offers Virginia's cheapest SR-22 insurance at $892 for minimum coverage and $1,618 for full coverage. Its minimum coverage rate is $1,941 below the state average of $2,833, or around 61% cheaper, one of the biggest percentage discounts nationwide.

Erie Insurance, the most expensive on our list, costs $2,611 for minimum coverage and $1,719 more than Travelers. Virginia shows substantial price variation, making Travelers' positioning exceptionally valuable for SR-22 shoppers.

The table below shows the top five companies with the lowest SR-22 insurance rates in Virginia

Travelers and Farm Bureau most frequently rank as the lowest-cost SR-22 carriers across categories. The least expensive category is Drivers With Other Violations, at $717 for minimum coverage SR-22 insurance with Farm Bureau, while the most expensive is 

Drivers With Multiple Speeding Tickets, at $1,167 with State Farm. The $450 spread shows how violation type affects Virginia's SR-22 pricing.

Your individual premium depends on both the nature of your violation and the insurer's rating approach.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Edinburg has Virginia's lowest minimum coverage SR-22 at $555 (Travelers). Fairfax averages $1,117 (Travelers). The $562 difference, about 101% higher, is because of variation in prices across the state.

Northern Virginia's higher population density and traffic congestion mean increased SR-22 rates in cities like Fairfax.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Auto-Owners offers Virginia's most affordable non-owner SR-22 insurance at $5 monthly or $64 annually. Drivers with an SR-22 filing can buy non-owner insurance to meet state minimum coverage requirements. 

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in Virginia for drivers with an SR-22 is $2,833 annually for minimum coverage, 410% more than the $556 clean-record drivers pay.
Full coverage for SR-22 drivers costs about $4,557 per year, compared to $1,134 for those with clean records — a 302% increase.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files to confirm that you have enough insurance to comply with the reinstatement requirements of Virginia's Financial Responsibility law.

After a serious traffic violation, having an SR-22 is required for up to three years. This form certifies you meet Virginia's minimum coverage requirements. For DUI offenses, FR-44 laws apply. To comply, drivers must carry these liability limits:

Besides using an SR-22 for up to three years to comply with Virginia's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to get back your driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, so you may need to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension.
• Relocation: If you move out of Virginia during the SR-22 period, coordinate with your insurer for out-of-state filing.
• FR-44: If convicted of a DUI, you’ll need FR-44 insurance, which requires higher coverage limits.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 coverage for the entire period. If you need coverage, get an SR-22 insurance quote. Finding insurance with an SR-22  can be tougher than for drivers with clean records. Insurers might cancel your policy or deny coverage when you file.

High-risk drivers in Virginia might find fewer companies offering coverage, usually resulting in higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Drivers with severe offenses must file an SR-22 to meet minimum coverage requirements. This form is required for up to three years for serious or repeated offenses. While SR-22 insurance rates are higher, several cheap car insurance providers in Virginia cater to these drivers.

Here are frequently asked questions about SR-22 certifications in Virginia:

Virginia drivers needing SR-22 certification face a challenging situation: you're already dealing with a DUI or at-fault accident, and now you need to prove financial responsibility to keep your license while finding affordable coverage in a market where many insurers won't accept high-risk drivers. We built this analysis to show you what SR-22 insurance actually costs in Virginia and which companies offer the most accessible rates for drivers in your situation.

We analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine average premiums for Virginia drivers with various high-risk profiles and coverage needs.

We collected data for a 40-year-old male with a driving record including either a DUI or an at-fault accident causing $1,000 to $1,999 in property damage, operating a 2012 Toyota Camry LE and logging 12,000 miles annually. This profile represents typical drivers who need SR-22 certification to reinstate their licenses or satisfy court requirements.

We gathered quotes for minimum coverage policies based on Virginia's requirements, which include $50,000 personal injury liability per person, $100,000 per accident, and $25,000 property damage liability. Virginia also requires $50,000/$100,000 underinsured/uninsured motorist coverage plus $25,000 for uninsured motorist property damage.

For full coverage with comprehensive and collision, we used $100,000/$300,000/$100,000 liability limits with a $1,000 deductible. This level provides stronger financial protection when you cause another accident or your car gets damaged, stolen, or totaled.

SR-22 insurance costs vary dramatically in Virginia because the state requires both high liability limits and mandatory uninsured motorist coverage, making minimum policies more expensive than many states. Our ZIP-code-level analysis shows you what drivers with violations actually pay across different Virginia communities, not just statewide averages that don't reflect your local market. This approach reveals which of the limited insurers writing high-risk policies offer the most affordable rates for drivers working to rebuild their driving records.