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SR-22 Auto Insurance in Virginia

An SR-22 is a certificate of financial responsibility filed by an insurer with the Virginia DMV to prove a high-risk driver carries the state-required minimum auto insurance. It is not a type of insurance itself.

Avg Monthly Rate
$148/mo
($120–$200/mo range)
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Virginia SR-22 Insurance Rates by Carrier

Rates last updated: May 2026. Based on a 35-year-old driver with a clean record driving a 2022 sedan. *USAA available to military members and families only.

CarrierSR-22 Insurance/moRating
GEICO$126★ 4.5
Progressive$141★ 4.3
State Farm$147★ 4.4
Allstate$160★ 4.1
USAA*$110★ 4.8

What Is SR-22 Insurance?

An SR-22 is not insurance itself — it's a certificate your insurer files with the Virginia DMV to prove you carry the required minimum coverage. It's typically required for 3 years after a DUI, reckless driving conviction, driving without insurance, or excessive points accumulation.

Who Needs SR-22 Insurance?

  • Drivers convicted of DUI or DWI in Virginia
  • Drivers convicted of reckless driving
  • Anyone caught driving without insurance
  • Drivers with 12+ points in 12 months or 18+ in 24 months

Virginia-Specific Considerations

Virginia drivers must carry at minimum $30,000/$60,000 bodily injury liability and $20,000 property damage, plus matching uninsured/underinsured motorist limits, per the Virginia DMV (dmv.virginia.gov). These limits took effect January 1, 2025. Approximately 11% of Virginia drivers are uninsured (Insurance Research Council 2023), making UM/UIM coverage especially critical.

Frequently Asked Questions

How long do I need an SR-22 in Virginia?
Most SR-22 requirements last 3 years from the date your license was reinstated. Any gap in coverage — even one day — can restart the clock, so maintaining continuous coverage is essential.
How much does SR-22 insurance cost in Virginia?
The SR-22 filing fee is typically $15–$35. However, your underlying insurance premium will increase significantly — often 50–100% above standard rates, averaging $120–$200/month for Virginia drivers.
Can I get SR-22 if I don't own a car?
Yes. A non-owner SR-22 policy covers you when driving borrowed or rented vehicles and typically costs $40–$70/month in Virginia — much less than owner SR-22 policies.
Which Virginia insurance companies file SR-22?
Progressive and State Farm are the most common SR-22 filers in Virginia. Specialty carriers like Dairyland and The General also specialize in high-risk drivers who need SR-22.
Will an SR-22 affect my insurance forever?
No. Once your required SR-22 period ends (typically 3 years), you can shop for standard insurance rates again. Your rates will improve as the violation ages off your record, usually after 3–5 years in Virginia.

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Rates last updated: May 2026. Rates shown are Virginia statewide averages based on a 35-year-old driver with a clean record. Your rate will vary. See our rate methodology.

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Virginia Law Update (2025)

Virginia requires all drivers to carry minimum liability and uninsured motorist coverage. Effective Jan 1, 2025: $30k/$60k bodily injury + $20k property damage. Source: Virginia DMV.

Our Methodology

Rates shown reflect Virginia averages based on a 35-year-old driver with a clean record. See full methodology.