SR-22 and FR-44 insurance in Virginia: Quotes, rankings and information

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#1
/26
USAA
4.73 ★★★★★
4.73 ★★★★★
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#2
/26
AAA
4.13 ★★★★★
4.13 ★★★★★
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#3
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GEICO
4.11 ★★★★★
4.11 ★★★★★
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#4
/26
4.10 ★★★★★
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#5
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4.08 ★★★★★
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#6
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4.07 ★★★★★
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#7
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4.06 ★★★★★
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#8
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#9
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Allstate
4.01 ★★★★★
4.01 ★★★★★
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#10
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Esurance, Inc.
4.00 ★★★★★
4.00 ★★★★★
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#11
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4.00 ★★★★★
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#12
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3.96 ★★★★★
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#13
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3.84 ★★★★★
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#14
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Dairyland
3.84 ★★★★★
3.84 ★★★★★
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#15
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3.80 ★★★★★
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#16
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3.77 ★★★★★
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#17
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3.74 ★★★★★
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#18
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3.57 ★★★★★
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#19
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3.54 ★★★★★
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#20
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3.53 ★★★★★
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#21
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3.33 ★★★★★
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#22
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3.33 ★★★★★
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#23
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2.79 ★★★★★
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#24
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2.78 ★★★★★
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#25
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2.76 ★★★★★
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#26
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Good2Go
2.65 ★★★★★
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Virginia SR-22 requirements

SR-22 requirements in Virginia are a little different from most other states. While most states have one form required for high-risk drivers that have violated certain laws, Virginia has two financial responsibility certifications: SR-22 and FR-44. The form you need to file depends on your conviction. More serious offenses require an FR44 in Virginia.

If the Virginia Department of Motor Vehicles (DMV) requires you to file an SR-22 form in Virginia, it means you’ve committed a driving violation making you a high-risk driver and you’ve been required by the state or court to file an SR22 form. The SR-22 insurance form guarantees to the state that you have the minimum amount of insurance coverages required of you and it allows you to drive in Virginia.

You’ve likely heard the term SR-22 insurance if you’re required to file an SR22 in Virginia. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost. In Virginia, SR-22 insurance after a DUI conviction costs an average of 73 percent more than car insurance for standard drivers.

In Virginia, the DMV requires you to maintain SR22 insurance for three years in order to keep your driver’s license. Your car insurance rates will be increased throughout the duration of your SR-22 filing period. Additionally, you’ll be required to have certain coverage.

If you maintain your SR-22 insurance for your required filing period and keep a clean driving record, you won’t need to file the form any longer after your period is up. This could result in your coverage and car insurance rates decreasing, depending on your violation.

Failure to file an SR-22 form in Virginia when required to do so results in penalties. Your license may be suspended. If your license was already suspended, it will not be reinstated until you file an SR22 form with the DMV. If you have a lapse in SR22 insurance coverage before your filing period is completed, your license could be suspended again. This would result in you needing to pay license reinstatement fees again and fulfill all reinstatement requirements.

SR-22 insurance limits in Virginia

If you’re required to have SR-22 insurance in Virginia, you’ll be required to have at least the following coverage:

  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident
  • $20,000 for property damage coverage per accident

Virginia FR-44 requirements

If you’ve committed a more serious offense, you may be required to file an FR-44 or FR-46 instead of an SR-22. Offenses that require an FR-44 are if you’re convicted of a DWI or were driving with a suspended license.

FR-44 insurance is very similar to SR-22 insurance. However, the difference is that you’re required to have more liability coverage than you are with SR22 insurance, and it costs more because of that.

FR-44 insurance limits in Virginia

If you’re required to have FR-44 insurance in Virginia, you’re required to have double the liability coverage limits than you are with SR-22 insurance. The minimum liability limits for FR44 insurance include:

  • $50,000 for bodily injury or death per person in one accident
  • $100,000 for bodily injury or death per accident
  • $40,000 for property damage coverage per accident

Who needs an SR22 in Virginia?

In Virginia, SR22 insurance is required in a few scenarios in order for you to get your license reinstated. SR-22s are required after you’ve committed certain violations with the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You could need SR22 insurance for the following reasons:

  • Failure to provide proof of insurance
  • Unsatisfied judgement after a car accident
  • Driving a car without car insurance
  • Making false statement(s) on driver’s license application or any other car insurance certificates
  • A suspended license for any of the following reasons:
    • Voluntary or involuntary vehicular manslaughter caused when driving a car
    • Responsible for a hit and run accident
    • Any felony committed while using a car
    • Making a false statement on your vehicle registration or driver’s license application

Who needs an FR44/FR46 in Virginia?

In Virginia, you may need an FR-44 if you’ve committed a serious offense. You may need an FR44 for the following reasons:

  • Conviction for driving under the influence of alcohol or drugs (DUI or DWI)
  • Driving with a suspended license
  • If you’ve been found not innocent for any juvenile case in court

Virginia FR-44 insurance rates

If you need SR-22 or FR-44 insurance, your car insurance rates will likely increase significantly. When you’re required to have an SR22 or FR44, you get placed into the category of a high-risk or non-standard driver. High-risk drivers tend to pay the highest car insurance rates, but the cost of car insurance can vary by company and by state. There are many other factors that go into the cost of SR-22 and FR-44 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.

In Virginia, drivers may need an FR44 if they were convicted of a DUI/DWI. Having a DUI is one of the most common reasons for needing FR44 insurance. On average, drivers with one DUI conviction in Virginia pay $1,473 per year for car insurance, which is 73 percent more than drivers with clean driving records. However, the cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for Virginia drivers who have one DUI conviction from some of the largest companies in the state.

Company Car insurance rate
Auto-Owners $998
Progressive $1,065
Travelers $1,174
Erie $1,177
Nationwide $1,201
State Farm $1,404
USAA* $1,472
Allstate $1,623
Geico $1,818
Cincinnati Insurance Company $3,859

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Virginia will differ. Rate data is provided by Quadrant Information Services.

While SR-22 insurance policies are expensive, if you maintain your car insurance and SR-22 form for the duration needed all while keeping a clean driving record, your rates may go down over time.

How to get SR22 or FR44 insurance in Virginia

To get SR22 insurance or FR44 insurance, you’ll need to contact your car insurance company. An SR-22 and FR-44 can only be obtained through an insurance carrier; you can’t complete it on your own. If your auto insurance company offers insurance coverage to drivers who need an SR-22 or FR-44, your company can submit the form to the Virginia DMV and offer you car insurance coverage. If not, you’ll need to shop for a new insurance policy from a company that offers SR22 or FR44 insurance coverage.

Even if your company does offer SR22 insurance, it may be a good idea for you to shop around for a new policy. Because SR-22 insurance significantly affects your rates in Virginia and rates can vary by company, you may want to see if a different company can offer you a better rate.

Use the table at the top of this page to find all the car insurance companies that offer SR-22/FR-44 insurance in Virginia. If you want to see which companies customers say are the best car insurance companies for SR22/FR44 insurance in Virginia, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

SR-22 fees in Virginia

If you need SR-22 insurance in Virginia, you may need to pay a fee to file the form. If your license was suspended, you may need to pay a fee of $145, $175 or $220 to have your license reinstated in Virginia. The reinstatement fee varies depending on the offense you committed that suspended your license.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

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