Best Cheap SR-22 and FR-44 Insurance in Virginia
Travelers has the cheapest SR-22 and FR-44 insurance in VA.
Find Cheap SR-22 Car Insurance Quotes in Virginia
If you're convicted of a serious driving violation in Virginia, such as driving without insurance or manslaughter, you'll likely be required to file an SR-22 form. After a DUI or DWI in Virginia, you often must file an FR-44 form.
Both SR-22 and FR-44 forms show proof that you have an insurance policy that meets Virginia's minimum car insurance requirements. Your insurance company will file the SR-22 or FR-44 form on your behalf and usually charge a fee for doing so.
Both SR-22 and FR-44 insurance in Virginia cost more than standard car insurance policies. But the increase in cost is mostly because of the driving infraction that caused you to need the SR-22 or FR-44 filing, and not the filing itself. That's because insurance companies believe drivers with previous tickets are more likely to cause an accident in the future, which makes them more expensive to insure.
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Do you need SR-22 or FR-44 insurance in Virginia?
The main difference between SR-22 insurance and FR-44 insurance is the reason that you need either financial responsibility filing.
You may need an SR-22 after:
- Driving uninsured
- Failing to provide proof of insurance
- Falsifying insurance information
- Vehicular manslaughter
- Any felony involving a motor vehicle
- Unsatisfied legal judgments
- A second offense of operating a for-hire passenger vehicle without a license
You may need an FR-44 after:
-
A DUI (driving under the influence)
- Maiming while under the influence
- Driving without a license after certain convictions
Additionally, drivers required to have an FR-44 filing must have an insurance policy with 100/200/50 of liability coverage. That's double the typical requirement in Virginia.
Cheapest SR-22 insurance in VA: Travelers
Travelers has the cheapest SR-22 insurance quotes in Virginia.
-
Travelers charges around $135 per month for a full coverage SR-22 policy if you're caught driving without insurance. And a policy from Travelers costs an average of $192 per month for a driver with a manslaughter conviction.
But Travelers doesn't have very good customer service, so it may not be the best choice for everyone.
- Erie could be a better choice if you were driving uninsured. At $152 per month on average, a policy from Erie is $17 per month more than Travelers. But Erie's excellent customer service could come in handy if you're in an accident.
-
Farm Bureau is a great option if you were convicted of a more serious offense. A policy from Farm Bureau costs an average of $247 per month after a manslaughter charge.
While that's significantly more than Travelers, it could be worth it for the peace of mind that your company will take great care of you if you make a mistake in the future.
Find Cheap SR-22 Car Insurance Quotes in Virginia
Best cheap SR-22 insurance in Virginia
Driving uninsured
Company | Monthly rate | |
|---|---|---|
| Travelers | 3.3/5 | $135 |
| Erie | 4/5 | $152 |
| USAA | 4.5/5 | $161 |
| Auto-Owners | 4/5 | $170 |
| Geico | 3/5 | $174 |
| State Farm | 4/5 | $176 |
| Farm Bureau | 3.5/5 | $229 |
| Nationwide | 4/5 | $266 |
| Progressive | 3/5 | $312 |
| Allstate | 2.5/5 | $329 |
Rates are for a full coverage policy for a 30-year-old man convicted of driving without insurance in Virginia.
Manslaughter conviction
Company | Monthly rate | |
|---|---|---|
| Travelers | 3.3/5 | $192 |
| Farm Bureau | 3.5/5 | $247 |
| USAA | 4.5/5 | $256 |
| Erie | 4/5 | $264 |
| Auto-Owners | 4/5 | $287 |
| Geico | 3/5 | $315 |
| Progressive | 3/5 | $337 |
| Nationwide | 4/5 | $399 |
| State Farm | 4/5 | $412 |
| Allstate | 2.5/5 | $479 |
Rates are for a full coverage policy for a 30-year-old man convicted of vehicular manslaughter in Virginia.
Data-powered research on Virginia SR-22 and FR-44 insurance
What is SR-22 insurance in Virginia, and when is it required?
An SR-22 filing provides proof that you have an insurance policy that meets the minimum liability insurance requirements in Virginia.
Virginia's liability car insurance coverage requirements are the same whether you have regular insurance or SR-22 insurance.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
SR, in this case, stands for "safety responsibility." You may need an SR-22 filing in Virginia if you:
- Drive uninsured
- Falsify insurance coverage
- Have unsatisfied judgments
- Cause an accident resulting in death
- Violate any motor vehicle laws considered punishable as a felony
Nonowner SR-22 insurance in Virginia
If you don't own a car and are working toward getting your license reinstated, you may need what's called nonowner SR-22 insurance coverage. This type of coverage allows you to occasionally drive a vehicle you don't own.
Nonowner car insurance policies usually cost less than other SR-22 policies because you're likely not driving as often as you would if you owned a car.
How do I get SR-22 insurance in VA?
To get SR-22 insurance coverage in Virginia, you may need to reach out to multiple car insurance companies because not all of them will offer you coverage.
- Contact an "authorized insurance company." Not all car insurance companies can legally provide SR-22 insurance coverage in Virginia. Confirm your current company can or find a new insurance company that can file the SR-22 form on your behalf.
- Pay the SR-22 fee. Insurance companies typically charge between $15 and $50 to file your SR-22 form. You may also need to pay a fee to the Virginia DMV to have your license and driving privileges reinstated.
- Have your insurance company file proof of insurance on your behalf. The company will file the SR-22, sometimes called an SR-22 certificate or a financial responsibility certification, with the Virginia DMV.
- Get confirmation. After the SR-22 is filed, both the Virginia DMV and your insurance company should confirm you have proof of insurance coverage and that you're legally able to drive. Be sure you have confirmation prior to getting behind the wheel again.
How long is SR-22 insurance required in Virginia?
In Virginia, you must have SR-22 insurance for three years.
But this could be extended if you get another serious ticket or let your SR-22 coverage lapse.
A lapse in coverage could happen if you cancel your policy without buying a new one. But your policy could also lapse if you accidentally miss paying your bill and your insurance company cancels your policy.
What happens when an SR-22 or FR-44 policy ends?
Insurance companies are legally required to tell the VA DMV if you cancel or do not renew your SR-22 policy.
If your SR-22 coverage lapses, you could have your license suspended, be charged reinstatement fees and see increased auto insurance rates.To avoid a coverage lapse, it's a good idea to renew your policy as early as possible — at least 30 days in advance — while you're required to carry SR-22 insurance. Once you've held SR-22 insurance for the required length of time, be sure to contact the Virginia DMV to verify that your filing requirement is complete.
Cheapest FR-44 insurance in Virginia: Travelers
Travelers offers the cheapest FR-44 insurance quotes in Virginia after a DUI or DWI.
- Travelers costs an average of $196 per month for a full coverage FR-44 policy in Virginia after a DUI. That's 42% cheaper than the state average. But Travelers' poor customer service means it's not the best choice for many people.
- Erie offers the best combination of affordable FR-44 rates and customer service you can count on. However, at $277 per month, FR-44 insurance from Erie costs $81 per month more than Travelers.
- USAA is also a great choice for FR-44 insurance in Virginia. At $259 per month, it's the second-cheapest company overall. But only military members, veterans and some of their family members can get car insurance from USAA.
Find Cheap SR-22 Car Insurance Quotes in Virginia
Best cheap FR-44 insurance quotes in Virginia
Company | Monthly rate | |
|---|---|---|
| Travelers | 3.3/5 | $196 |
| USAA | 3.5/5 | $259 |
| Erie | 4.5/5 | $277 |
| Auto-Owners | 4/5 | $289 |
| Progressive | 4/5 | $320 |
| Geico | 3/5 | $331 |
| Farm Bureau | 3/5 | $357 |
| Nationwide | 4/5 | $419 |
| State Farm | 4/5 | $429 |
| Allstate | 2.5/5 | $488 |
Rates are for a full coverage policy for a 30-year-old man with a DUI conviction in Virginia.
Full coverage car insurance policies in Virginia cost an average of $169 per month. But a single DUI on your driving record can increase your car insurance quotes by 86%, on average, depending on your company and where you live.
What is FR-44 insurance in Virginia?
Similar to an SR-22 filing, an FR-44 form gives Virginia drivers legal proof of insurance coverage. However, FR-44 insurance, sometimes referred to as "DUI insurance," is most commonly required following a conviction for driving under the influence (DUI) or driving while intoxicated (DWI).
The key difference between an SR-22 and FR-44 filing in Virginia is that the FR-44 is required following alcohol- or drug-related offenses.Offenses that may result in an FR-44 filing requirement include:
- Maiming while under the influence
- Driving under the influence of intoxicants or drugs
- Driving with a license that's been forfeited for a conviction (or a not-innocent finding for juveniles)
- Any federal, state or local legal violations similar to the above
Virginia's FR-44 insurance coverage requirements are twice what's required for an SR-22.
- Bodily injury liability: $100,000 per person and $200,000 per accident
- Property damage liability: $50,000 per accident
To get FR-44 insurance in Virginia, the steps are similar to those for an SR-22 filing.
How long is FR-44 insurance required in Virginia?
Typically in Virginia, you must have a FR-44 certificate for three years from the date of license reinstatement.
As with SR-22 coverage, be sure not to let your FR-44 insurance lapse by renewing your policy as early as possible if you want to keep your driving privileges. Any lapse in coverage is subject to license suspension, fees, more expensive rates and an extended FR-44 carrying period.
Frequently asked questions
What are SR-22 and FR-44 insurance in Virginia?
SR-22 insurance is required for Virginia drivers who are convicted of serious traffic tickets, such as driving uninsured. An SR-22 is a form that shows you have the minimum liability insurance required by the state. An FR-44 does the same thing, but it is required after a DUI and has twice the required coverage limits.
How much does FR-44 insurance cost in Virginia?
FR-44 insurance costs an average of $337 per month in Virginia if you have only one DUI. Your policy could cost significantly more if it's your second or third conviction.
Methodology
ValuePenguin gathered quotes from every ZIP code across the state of Virginia for drivers with SR-22 and FR-44 insurance. The SR-22 policies are for drivers with a ticket for driving uninsured or a manslaughter conviction. FR-44 policies are for drivers with a single DUI.
All quotes are for full coverage in Virginia with SR-22 and FR-44 policies.
Rates were gathered using Quadrant Information Services. Data comes from publicly sourced insurance filings. Rates should be used for comparative purposes only, as your quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
