Auto Insurance with an FR-44 or SR-22 in Virginia

If you need an SR-22 for car insurance in Virginia, don't worry. This relatively common legal requirement is triggered by a driving citation such as a DUI, a driving-without-insurance citation, an at-fault crash, a citation for driving with a suspended license, or accumulating too many points on your license.

Finding cheap auto insurance with a SR-22 in Virginia might take some effort, but it's worth the trouble. We assessed how much money a SR-22 usually costs in Virginia and how to easily get one — let's dive into the details.

Average SR-22 costs in Virginia

Insurance with an SR-22 requirement in Virginia can be expensive. This isn't because of the SR-22 itself — typical filing fees are $15 to $35 — but a product of the insurance rate increases initiated by the citation that necessitated the SR-22 in the first place.

Car insurance companies charge high-risk motorists higher rates to account for the more substantial probability of having to pay out a claim after a collision. The rate increase you’ll face may depend on the frequency and severity of your violations — listed below are typical insurance rates for drivers with SR-22s in Virginia.

Rating factorAverage yearly rateIncrease vs. no citations
No citations$1,005
At-fault collision (>$2,000)$1,562$557
Speeding (21-25 mph > limit)$1,249$243
Reckless driving$1,402$397

If you'd like to find affordable car insurance after obtaining a SR-22, The Zebra is here to help. Enter your ZIP code below to find personalized auto policy rates from top companies.

How to get an SR-22 in Virginia

If you have auto insurance

If you have an active car insurance policy, getting an SR-22 certificate might be easy. Just call your insurance company request they file a SR-22 certificate request on your behalf. If your current insurer isn’t willing to file a request, you should shop around for a new insurance company.

For uninsured drivers

When applying for a new policy, you might be saddled with an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some carriers, while others would be happy to sell you a policy.

For non-vehicle owners

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to show proof of insurance to receive the certificate. In this scenario, you should apply for a non-owners car insurance policy before filing an SR-22 request. Non-owners car insurance is often cheaper than standard coverage since it won’t provide protection for physical damages to your car.


The Zebra conducted comprehensive auto insurance pricing analysis through our proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra surveyed almost 53 million premiums to examine trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.