Best West Virginia SR-22 Insurance in 2024
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.