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 factor||Average annual rate||Increase vs. no violations|
|At-fault crash (>$2,000)||$2,296||$760|
|Speeding (21-25 mph > limit)||$1,908||$373|
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 insuranceIf 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 driversWhen 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?If you don't own a vehicle, it could be more difficult to obtain an SR-22, since you typically need to show proof of insurance to obtain the document. 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.
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.