State Farm provides the cheapest SR-22 insurance in West Virginia at $91 monthly for minimum coverage and $186 for full coverage, 33% below the state's average rates. Keep in mind this represents rates for 40-year-old drivers with a DUI on record. GEICO, Erie, Allstate and Progressive may offer more affordable rates for your profile.
Cheapest SR-22 Car Insurance in West Virginia
Updated: September 5, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides the most affordable SR-22 insurance in West Virginia, with premiums averaging $91 per month or $1,092 per year for minimum coverage.
For West Virginia drivers needing SR-22 filing, West Virginia car insurance costs average $133 monthly for minimum coverage and $257 per month for full coverage.
West Virginia requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in West Virginia
| State Farm | $91 | $186 | -33% |
| GEICO | $97 | $207 | -27% |
| Erie | $113 | $225 | -19% |
| Allstate | $122 | $235 | -14% |
| Progressive | $140 | $254 | -5% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in West Virginia by Category
State Farm dominates SR-22 coverage options in West Virginia, leading in five out of seven categories we analyzed. While Westfield Insurance offers the lowest rates for drivers with multiple speeding tickets and other violations, State Farm provides the most competitive rates for most other high-risk situations.
| Most Drivers Needing a SR-22 | State Farm | $91 | $186 |
| Young Drivers With a Suspension | State Farm | $110 | $227 |
| Senior Drivers With a Suspension | State Farm | $86 | $171 |
| Drivers With Multiple Speeding Tickets | Westfield Insurance | $50 | $158 |
| Drivers With Racing Violation | State Farm | $73 | $162 |
| Drivers With Hit-And-Run Accident | State Farm | $90 | $184 |
| Drivers With Other Violations | Westfield Insurance | $50 | $154 |
* 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.
Cheapest Personalized SR-22 Car Insurance in West Virginia
Our analysis covers general winners, but insurance costs vary based on your unique profile. The table below matches you with affordable providers by comparing rates across age, gender, coverage level, credit and driving record.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Allstate | $390 | $4,680 | -23% |
| Progressive | $437 | $5,249 | -13% |
| GEICO | $467 | $5,608 | -7% |
| State Farm | $504 | $6,046 | 0% |
| Farmers | $722 | $8,666 | 43% |
Cheapest SR-22 Car Insurance in West Virginia by City
Rates vary across major West Virginia cities. State Farm provides the cheapest insurance for four out of five cities, while GEICO provides the most affordable SR-22 car insurance in Idamay.
| Charleston | State Farm | $88 |
| Huntington | State Farm | $101 |
| Idamay | GEICO | $74 |
| Lenore | State Farm | $98 |
| Martinsburg | State Farm | $83 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in West Virginia
Erie stands out as the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, quality customer service and comprehensive coverage options, earning the highest overall MoneyGeek score. While Erie leads the pack, drivers should also consider Progressive, State Farm, GEICO and Allstate when comparing quotes.
| Erie | 4.76 | 3 | 1 | 3 |
| Progressive | 4.46 | 5 | 2 | 2 |
| State Farm | 4.45 | 1 | 3 | 5 |
| GEICO | 4.31 | 2 | 4 | 5 |
| Allstate | 4.28 | 4 | 5 | 4 |
Erie
Best Overall for SR-22 Insurance in West Virginia
MoneyGeek Rating
4.8/ 5
4.8/5Affordability
5/5Customer Experience
4/5Coverage Options
Average Monthly Full Coverage Cost
$225For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$113For minimum state coverage for drivers filing an SR-22Best For
Customer Experience
How Much Is SR-22 Car Insurance in West Virginia?
West Virginia drivers pay an average of $1,590 yearly for SR-22 minimum coverage and $3,080 annually for full coverage policies. West Virginia ranks 17th nationally for minimum coverage affordability and 18th for full coverage costs. Monthly premiums range from $64 to $906, depending on your driving profile.
| Minimum Coverage | $133 | $1,590 | -25% |
| Full Coverage | $257 | $3,080 | -23% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by West Virginia City
According to our analysis of West Virginia SR-22 insurance rates, Idamay offers the lowest monthly premiums at $114, while Lenore has the highest at $155. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Charleston | $131 | $1,577 |
| Huntington | $138 | $1,660 |
| Idamay | $114 | $1,367 |
| Lenore | $155 | $1,866 |
| Martinsburg | $123 | $1,481 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
West Virginia SR-22 Insurance Requirements
An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't insurance but a form your insurer files to confirm you meet West Virginia's Financial Responsibility law for license reinstatement.
To comply with West Virginia laws, you must carry these minimum liability limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $25,000 property damage liability per accident
In the state, SR-22 certificates are usually required for three years. This period can extend to 5 years for serious violations, noncompliance with requirements or repeated offenses.
TYPES OF SR-22 FILINGS
SR-22 insurance filings in West Virginia come in different forms. A traditional SR-22 Owners Certificate provides coverage only when driving your own vehicle, while non-owner SR-22 insurance (SR-22 Operators Certificate) provides coverage when you're driving vehicles belonging to others.
West Virginia drivers can choose a SR-22 Operators-Owner Certificate. This offers the benefits of both traditional and non-owner policies, providing coverage whether you're driving your own vehicle or someone else's.
Other West Virginia SR-22 Insurance Laws and Regulations
While SR-22 filing helps meet West Virginia insurance requirements, drivers must understand several additional regulations to maintain full compliance with state law.
- First offense: requires one year of SR-22 coverage
- Second offense within five years: brings a two-year suspension plus continued SR-22 filing
- Third offense within five years: results in a three-year suspension with ongoing SR-22 requirements
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in West Virginia range from $50 to $100, while license reinstatement fees cost between $100 and $250 based on the violation type. West Virginia offers payment plans for fees exceeding $150.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company notifies the West Virginia DMV right away. Your license faces immediate suspension until you file a new SR-22 and complete all reinstatement requirements.
SR-22 Duration Requirements
West Virginia requires SR-22 insurance for three years, extending to five years for serious violations involving injuries, death or major property damage.
For non-driving violations:
SR-22 Filing Process
Contact an insurance company licensed in West Virginia to file your SR-22. Purchase a policy meeting West Virginia's minimum coverage requirements. Your insurance company files the SR-22 electronically with the West Virginia DMV, with processing typically completed within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
West Virginia doesn't operate a state-sponsored high-risk insurance program. Instead, West Virginia residents who need SR-22 insurance or have been denied coverage must shop among private insurance companies that specialize in non-standard policies. These insurers typically include companies like Progressive, The General and National General, which often work with high-risk drivers to provide necessary coverage.
Cheap SR-22 Insurance in West Virginia: Bottom Line
In West Virginia, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance West Virginia: FAQ
Below are frequently asked questions about SR-22 certifications in West Virginia:
What are the cheapest SR-22 car insurance options in West Virginia?
State Farm provides West Virginia's cheapest SR-22 car insurance at $91 per month for minimum coverage. GEICO and Erie follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in West Virginia?
Filing an SR-22 increases car insurance rates in West Virginia by 23% compared to drivers with clean records.
How long do you need to have an SR-22 in West Virginia?
In West Virginia, drivers must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse restarts the SR-22 period and can trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance in West Virginia
MoneyGeek analyzed hundreds of thousands of quotes across West Virginia to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
West Virginia SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on West Virginia's minimum coverage requirements, with the following limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $25,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.