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

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#1
/16
USAA
4.73 ★★★★★
4.73 ★★★★★
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#2
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AAA
4.13 ★★★★★
4.13 ★★★★★
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#3
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GEICO
4.11 ★★★★★
4.11 ★★★★★
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#4
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4.10 ★★★★★
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#5
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4.08 ★★★★★
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#6
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4.06 ★★★★★
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#7
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#8
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Allstate
4.01 ★★★★★
4.01 ★★★★★
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#9
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Esurance, Inc.
4.00 ★★★★★
4.00 ★★★★★
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#10
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3.96 ★★★★★
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#11
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Dairyland
3.84 ★★★★★
3.84 ★★★★★
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#12
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3.57 ★★★★★
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#13
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3.54 ★★★★★
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#14
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3.33 ★★★★★
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#15
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3.33 ★★★★★
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#16
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2.79 ★★★★★
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West Virginia SR-22 requirements

In most states, if your license is suspended you’ll have to file an SR-22 form. SR-22 forms are commonly required for drivers who have violated driving laws such as being convicted of a DUI or driving without car insurance. The SR-22 form is proof of financial responsibility and guarantees to the state that you have at least the minimum required car insurance coverage. West Virginia does not require drivers to file an SR-22 form after certain violations but it does have other penalties in place for reckless and risky driving.

You may have heard the term SR22 insurance, but an SR-22 isn’t different from your standard auto insurance policy. It’s an endorsement that is added to your car insurance policy. Often times, it’s needed to regain driving privileges after a violation. Drivers who need SR22 insurance are considered high-risk drivers so the SR22 form affects your car insurance rates.

In West Virginia, drivers are required to have at least the minimum amount of car insurance required in the state in order to legally drive. There are penalties for drivers who drive without insurance, including license suspension. Drivers could face license suspension for a number of other reasons including reckless driving, failure to handle traffic tickets and other citations, a DUI conviction and so on.

SR-22 insurance limits in West Virginia

All drivers in West Virginia are required to have car insurance. In West Virginia, you’re required to have at least the following car insurance coverage:

  • Liability:
    • $25,000 bodily injury per person
    • $50,000 bodily injury per accident
    • $25,000 property damage per accident
  • Uninsured motorist:
    • $25,000 bodily injury per person
    • $50,000 bodily injury per accident
    • $25,000 property damage per accident

Who needs SR-22 in West Virginia?

Even though West Virginia does not require its drivers to have SR22 insurance after certain convictions, if you’re a driver in West Virginia and you’re moving to a state that requires SR-22 insurance, you may need SR22 insurance in your new state. 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:

  • Conviction for driving under the influence (DUI or DWI)
  • Driving without car insurance
  • Driving with a revoked or suspended license
  • Having repeated traffic violations in a certain amount of time, including speeding tickets
  • Numerous at-fault accidents
  • A fatal at-fault accident or one that results in injuries
  • Reckless or dangerous driving
  • Assignment from a court order
  • Failure to pay fines from tickets
  • Refused consent to breathalyzer or blood alcohol test

West Virginia SR-22 Insurance rates

In states that require SR22 insurance, the cost of SR22 insurance depends on your insurance provider and the severity of your violation. Since you are considered a high-risk driver your premiums will be rather high when compared to your standard insurance policy. There are many other factors that go into the cost of car insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.

A DUI is one of the most common reasons drivers need SR22 insurance. If you’ve been convicted of a DUI in West Virginia, while you won’t be required to get SR-22 insurance, your car insurance rates may still be affected because you will be considered a high-risk driver. On average, drivers in West Virginia with one DUI pay $2,071, which is 78 percent higher than standard drivers with a clean record. In the table below, you can view average insurance rates for drivers in West Virginia who’ve been convicted of a DUI.

Company Car insurance rate
Erie $1,557
State Farm $1,747
Progressive $1,799
Safeco $1,923
USAA* $1,978
Allstate $2,008
Nationwide $2,175
Geico $2,904

*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 Alabama will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 insurance in West Virginia

If you’ve been convicted of a driving violation in West Virginia, you may be considered a high-risk or non-standard driver. This may result in your car insurance rates to increase. Most states require an SR-22 form to be filed by certain high risk drivers guilty of violations, requiring the drivers to get SR-22 insurance.

Even though West Virginia doesn’t require an SR22 form, drivers with violations typically associated with SR22 insurance may have a harder time finding an insurance company that will sell them a policy. If you’re considered a high-risk driver, it may be a good idea to shop for a new car insurance company in West Virginia.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in West Virginia. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in West 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.

If you’re unable to get high-risk auto insurance from an insurance company in West Virginia, you can utilize the West Virginia Automobile Assigned Risk Plan to help you find coverage.

SR-22 fees in West Virginia

For drivers that live in states that require SR22 insurance, In addition to higher car insurance rates, you may be required to pay a fee to file an SR-22 form through your insurance company. While you won’t be required to file an SR22 form in West Virginia, you’ll still have to pay fees and fines for committing traffic violations. If your license was suspended, you’ll have to pay a reinstatement fee to get it back.

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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