Car Insurance with an SR-22 in West Virginia

If an SR-22 is required in order for you to get car insurance in West Virginia, you are not alone. This relatively routine legal requirement is prompted by driving violation like a DUI conviction, a citation for driving without insurance, an at-fault accident, a citation for driving with a suspended license, or amassing excessivepoints on your license.

Finding cheap insurance coverage with a SR-22 in West Virginia might not be easy, but the savings are worth the trouble. We analyzed how much a SR-22 costs in West Virginia and how to go about getting one — let's take a look.


Average SR-22 costs in West Virginia

Car insurance with an SR-22 in West Virginia can be expensive. This isn't a direct cost of the SR-22 — filing fees might be just $15-$35 — but a product of the insurance premium increases from the issue that prompted the SR-22.

Insurers bill risky clients higher premiums to account for the heightened risk of having to pay out a claim after a crash. The price increase you will face depends on the frequency and severity of violations — listed below are typical insurance rates for drivers with SR-22s in West Virginia.


WEST VIRGINIA INSURANCE PREMIUMS BY VIOLATION
High-risk rating factorAverage annual rateIncrease vs. no violations
No citations$1,536
At-fault crash (>$2,000)$2,296$760
Speeding (21-25 mph > limit)$1,908$373
Reckless driving$2,219$684
Racing$2,281$746
Hit-and-run$2,281$746
DUI$2,246$710

If you want to purchase reasonably priced car insurance coverage with a SR-22, we're ready to help. Enter your ZIP code to receive personalized auto insurance quotes from top companies.


How to get an SR-22 certificate in West Virginia


If you have car insurance

If you currently have auto insurance, obtaining an SR-22 is relatively simple. Call up your car insurance company ask the company to file a SR-22 request on your behalf. If your current car insurance company won't file for an SR-22, you’ll need to shop for a new policy with 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 SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 might disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.

Don't own a car?

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 typically need to display proof of insurance to receive the certificate. If this is the case, get a non-owners auto insurance policy before asking for an SR-22. Non-owners car insurance is often cheaper than standard coverage since it doesn't protect against physical damage to your vehicle.

Methodology

The Zebra performed comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra examined nearly 53 million rates to examine trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

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

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.