Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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Virginia SR-22 auto insurance, or high-risk driver auto insurance, has auto insurance rates that are $175 to $275 a month. This guide explains how you can properly fill out the form for SR-22 in Virginia and ensure you are covered.

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What Is Virginia SR-22 Insurance?

A Virginia SR-22 auto insurance form is also known as an SR-22 financial responsibility insurance form. This the SR-22 form of Virginia monitors the auto insurance coverage of drivers who have been convicted of certain serious moving violations.

In Virginia, SR-22 auto insurance forms need to be filed with the Virginia Department Of Motor Vehicles to prove that the driver is financially responsible for carrying the state required minimums for auto insurance on the vehicles that they drive or own.

The Virginia SR-22 auto insurance form should show that the driver has at least the state minimum amount of coverage: $25,000 per person per accident, $50,000 for more than one person per accident, and $25,000 in property damage liability auto insurance.

Find out how much minimum requirement rates cost in your local area by entering your ZIP code in the free comparison tool below.

Six major factors affect car insurance rates in Virginia. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a VA DUI conviction.

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How much is an SR-22 auto insurance policy in Virginia?

SR-22 auto insurance is more expensive than regular auto insurance. For instance, if your SR-22 auto insurance costs $75 per month before filing Virginia’s SR-22 form, you could pay as much as $175 to $275 per month under SR-22 in Virginia.

Let’s look at Virginia auto insurance rates based on driving records.

Virginia Car Insurance Rates by Driving Records
Driving RecordAverage Annual Car Insurance Rates
Clean record$1,924
With 1 speeding violation$2,214
With 1 accident$2,507
With 1 DUI$2,786
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Based on Virginia’s average annual rates, auto insurance is cheaper for drivers with a clean driving record. Drivers with a DUI, likely to be on SR-22 insurance, pay the most expensive rate.

Virginia’s SR-22 auto insurance costs may be different for each auto insurance company. Geico’s SR-22 auto insurance in Richmond, VA is going to have a different rate than Progressive SR-22 auto insurance.

Who Needs SR-22 Insurance in Virginia?

In Virginia, SR-22 auto insurance forms should be filed by drivers who are caught driving with a suspended license due to a major moving violation like driving without auto insurance or manslaughter while driving a motor vehicle.

The SR-22 auto insurance form is an important step in getting a driver’s license reinstated in Virginia. People who want to insure a vehicle for a driver who’s been previously convicted of DUI or other offenses resulting in SR-22 have to get non-owner SR-22 auto insurance.

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Are There Different Types of Virginia SR-22 Forms?

In Virginia, there are three types of SR-22 insurance form. The SR-22 Owner’s Certificate shows the financial responsibility of the owner of the vehicle. The Virginia SR-22 Operator’s Certificate covers the operator of a motor vehicle if they do not own the vehicle.

The combined Operator-Owners Certificate covers both the driver and all the vehicles whether or not they are owned by the driver. Virginia also has a special type of SR-22 form called an FR-44 insurance form that is used in DUI cases.

The Virginia FR-44 insurance form must prove that the driver is carrying twice the legally required minimum amount of auto insurance.

Compare liability coverage rates using our free comparison tool. Enter your ZIP code in the dialog box below to get started.

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Do you need to go to the DMV in VA to get an SR22?

No. Some auto insurance companies offer SR-22 auto insurance. For example, Progressive SR-22 program files SR-22 status for you and complies with the regulations in the state you live in.

How Do I File a Virginia SR-22 Insurance Form?

The state does not notify drivers and the driver must tell their auto insurance company to file a Virginia SR-22 auto insurance form with the state.

The driver will usually have to pay a processing fee to their auto insurance company. The driver’s auto insurance company then files the SR-22 form with the Virginia Department of Motor Vehicles.

To find low-cost Virginia SR-22 auto insurance, you can start by entering your ZIP code for a free online quote.

Virginia SR-22 Auto Insurance FAQs

Let’s answer some frequently asked questions you see on search engines across the internet. These questions and answers will help you to get to the auto insurance services you need.

How to Get SR-22 Removed?

Contact your auto insurance company and confirm that you have legal documents from the state that prove that you no longer need SR22. You may have to e-mail, fax, or show an auto insurance agent proof of your court documents. The auto insurance company will remove the SR-22 from your auto insurance after everything is processed.

What is an SR-22 Bond?

This is also known as a Certificate of Financial Responsibility. An SR-22 Bond is an easier way to file your SR22. In Virginia, FR-44 is required, which is similar to an SR-22 but requires more liability coverage.

What is SR-22 insurance VA Geico?

Geico has an SR-22 and FR-44 auto insurance program. Geico customers who need SR-22 auto insurance need to turn in an SR-22 Bond to Geico to sign up for SR-22 auto insurance.

Is there an SR-22 form in pdf?

SR-22 forms in .PDFs are available through auto insurance companies that offer SR-22 insurance and through the DMV. Virginia requires SR-22 drivers to go through their auto insurance company or through an account on Virginia’s DMV website.

Can I have FR-44 insurance without a vehicle?

Yes. If you’re insuring a vehicle for someone who needs FR-44 auto insurance to drive, you will need to fill out an SR-22 Bond and give it to your auto insurance company.

References:

  1. https://www.dmv.virginia.gov/commercial/insurance/certifications.asp
  2. https://www.dmv.virginia.gov/webdoc/pdf/US532e.pdf