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

The Zebra
Nov. 16, 2018

If you need an SR-22 or FR-44 certificate to obtain auto insurance in Virginia, don't worry. This relatively common insurance requirement is triggered by a citation like a DWI conviction, a ticket for driving without proof of insurance, a collision causing substantial property damage, a citation for driving with a suspended license, or amassing excessive license points.

Finding inexpensive insurance with an SR-22 or FR-44 in Virginia might require some research, but it could pay off. We examined how much money a Virginia FR-44 or SR-22 costs and how to go about getting one — let's look at the details.


Find cheap SR-22 or FR-44 insurance today!



Average SR-22/FR-44 costs in Virginia

Insurance with an SR-22 in Virginia can be expensive. This isn't a direct cost of the SR-22 or FR-44 — typical filing fees are $15 to $35 — but a product of the insurance rate increases triggered by the driving citation that prompted the SR-22 requirement in the first place.

Car insurance companies charge high-risk clients higher premiums because of the increased likelihood of claims payouts via collisions. The rate increase you could face will depend on the frequency and severity of the violations — below are average auto insurance prices after an SR-22 in Virginia.


VIRGINIA CAR INSURANCE PREMIUMS AFTER COMMON VIOLATIONS
High-risk rating factorAverage yearly rateIncrease vs. no violations
No citations$900.83
At-fault accident (>$2,000)$1,404.00$503.17
Speeding (21-25 mph > limit)$1,090.51$189.68
Reckless driving$1,280.87$380.04
Racing$1,573.00$672.17
Leaving the scene of an accident$1,626.11$725.28
DWI$1,561.92$661.09

If you'd like to find reasonably priced car insurance after getting an SR-22 or FR-44, The Zebra is here to help. Enter your ZIP code below to find personalized car insurance rates from popular companies.


Requesting an SR-22 or FR-44 in Virginia


Currently insured?

With an active insurance policy, obtaining an FR-44 or SR-22 certificate should be easy. Just call your insurance company ask them to file an SR-22 request on your behalf. If your current insurance company refuses to file for an SR-22, you should shop for a new insurance company.

Currently uninsured?

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

For non-owners:

Not owning a vehicle makes it more difficult to obtain an SR-22 or FR-44, since you typically need to show proof of insurance to obtain the certificate. If you don't own a vehicle, you should buy a non-owners policy before asking for an SR-22. A non-owners policy is often less pricey than traditional coverage since it won’t provide protection for material damages to your car.

Methodology

Between September and December 2017, we performed auto insurance rate analysis through its proprietary insurance quote engine, incorporating data from rating systems and public rate filings. The Zebra surveyed nearly 53 million rates to identify 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.

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