Cheapest SR-22 Car Insurance in West Virginia

State Farm provides the lowest SR-22 insurance in West Virginia at $1,092 for minimum coverage and $2,232 for full coverage. That minimum rate is $835 below the state average of $1,927, or roughly 43% cheaper, offering solid savings in this mid-Atlantic market.

Progressive, the most expensive provider on our list, charges $1,682 for minimum coverage, still 13% below the state average but $590 more than State Farm. West Virginia's moderate pricing spread still makes carrier comparison worthwhile.

You can find the five insurers offering West Virginia's cheapest SR-22 premiums in the table below.

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

State Farm is the top low-cost insurer across most categories. The least expensive category is Drivers With Other Violations, averaging $596 for minimum coverage SR-22 insurance with Westfield Insurance, while the most expensive is Young Drivers With a 

Suspension, at $1,315 with State Farm. The $719 spread highlights how youth and suspension history combine to escalate SR-22 costs.

SR-22 rates depend heavily on violation type and recency, with repeat incidents leading to sharper increases.

* 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.

Idamay has the lowest minimum coverage SR-22 at $888 (GEICO), while Huntington averages $1,207 (State Farm). The $319 gap, or about 36% higher, shows moderate city-to-city variation in West Virginia.

Claim trends, traffic volumes, and repair accessibility all shape SR-22 costs across West Virginia cities.

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

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.

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.

While SR-22 filing helps meet West Virginia insurance requirements, drivers must understand several additional regulations to maintain full compliance with state law.

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.

Below are frequently asked questions about SR-22 certifications 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.