Car Insurance with an SR-22 in West Virginia

The Zebra
Nov. 16, 2018

If an SR-22 is required in order for you to get car insurance in West Virginia, don't worry. This relatively common insurance requirement is often needed after a citation like a DUI, a driving-without-insurance citation, an at-fault accident with substantial property damage, a ticket for driving with a suspended license, or accumulating excessive license points.

Getting cheap coverage with an SR-22 certificate in West Virginia might take some effort, but it's worth the trouble. The Zebra examined how much a West Virginia SR-22 could cost and how to get one — let’s dive in.


Find cheap SR-22 insurance!



How much does an SR-22 cost in West Virginia?

SR-22 insurance in West Virginia tends to be expensive. This isn't a direct cost of the SR-22 — filing fees might be just $15 to $35 — but thanks to the insurance premium increases initiated by the issue that prompted the SR-22.

Auto insurance companies charge higher-risk clients higher rates on account of the heightened chance of having to pay out a claim after a crash. The price increase you will receive depends on the frequency and severity of infractions — below are average car insurance prices for drivers with SR-22s in West Virginia.


WEST VIRGINIA INSURANCE RATES AFTER COMMON VIOLATIONS
High-risk rating factorAverage annual rateIncrease vs. no violations
No citations$1,378.51
At-fault collision (>$2,000)$2,066.00$687.49
Speeding (21-25 mph > limit)$1,616.03$237.52
Reckless driving$2,221.35$842.84
Racing$2,465.00$1,086.49
Hit and run$2,520.13$1,141.62
DUI/DWI$2,426.47$1,047.96

If you need reasonably priced car insurance with an SR-22, The Zebra is here to help. Enter your ZIP code to get personalized auto coverage quotes from popular insurance companies.


How to get an SR-22 in West Virginia


Already insured:

If you currently have auto insurance, requesting an SR-22 certificate might be easy. Call your auto insurance company ask them to file an SR-22 request for you. If your current insurer declines to file an SR-22 request, you'll need to look for a new insurance company.

Uninsured drivers:

When filing for a new policy, you'll need to pay a fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. An SR-22 requirement may prevent you from purchasing insurance from some carriers, while others would be happy to sell you a policy.

If you don't have a vehicle:

Not owning a vehicle makes it more difficult to get an SR-22, as you will need to furnish proof of insurance to obtain the document. If this is the case, you should buy a non-owners auto insurance policy before requesting a certificate. Non-owners car insurance is typically less expensive than a standard policy since it doesn't cover material damages sustained by your car.

Methodology

Between September and December 2017, we conducted car insurance price analysis via our proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra surveyed almost 53 million premiums to explore trends for 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 car insurance rates.

Don't forget to share!