How to get an SR22 Insurance in Virginia

How to get an SR22 Insurance in Virginia?

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What is an SR22 Insurance and why do I need it?

SR22 is a certificate needed by a state’s Department of Motor Vehicles (DMV) as confirmation that a driver meets the minimum basic requirements of vehicle liability insurance needed by the state. 

An SR22 insurance certificate is needed to reestablish your driving privileges after a driving infraction for example, a DUI conviction, an uninsured car crash/auto accident.

Though it is commonly referred to as “SR-22 insurance”, it’s not insurance. It is simply a document provided by the insurance company that proves the driver has the liability coverage on the car insurance policy required by the specific state.

 

SR22 Insurance in Virginia

If your license is suspended for any moving violations or you are convicted of a more serious driving-related offense then the Department of Motor Vehicles(DMV) in Virginia will likely need you to obtain an SR-22 from a licensed auto insurance company in order for you to get your license reinstated.

The SR22 insurance in Virginia certifies that you have the state-mandated minimum car insurance coverage required to drive or to have your license reinstated after being convicted of one of a few serious driving offenses.

SR-22 requirements in the state of Virginia are unique to the state. So it’s important for you to understand how this will impact your insurance rate, driving record and other factors.

 

Who needs an SR22 Insurance in Virginia?

A Virginia SR22 car insurance is essential for drivers – 

  • Having unsatisfied judgments
  • Whose license got suspended or revoked due to a DUI/DWI
  • Caught operating a motor vehicle without insurance
  • Who failed to provide proof of insurance
  • Who are caught falsifying motor insurance certifications
  • Whose license has been suspended after hit-and-run, vehicular manslaughter, committing perjury regarding vehicle registration or a driver’s license application
  • Who refuse to take a breath analyser test

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What is the basic minimum coverage amount to be purchased and maintained by all the drivers requiring an SR22 Insurance in Virginia?

According to Virginia state law, it is illegal to drive a car without at least the minimum amount of liability coverage required. Which is :

  • Bodily injury: $25,000 per person and $50,000 per accident.
  • Property damage: $20,000 per accident.
  • Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident.

 

How do I get a Virginia SR22 Insurance?

Your Virginia SR22 insurance can be acquired from your auto insurance provider who will file your SR22 form with the Department of Motor Vehicles(DMV) in Virginia for a fee. You will receive a copy of the form along with a letter from the Department of Motor Vehicles(DMV) in Virginia once your SR22 insurance filing has been accepted.

SR22InsuranceNow can help you in getting the cheapest Virginia SR22 Insurance. Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate & more) makes sure that you get the cheapest SR22 insurance rates in Virginia. Call us now at 888-885-3948 to compare rates from top providers and get the best offer unique to your needs!

 

How much does a Virginia SR22 Insurance cost?

Your insurance provider will charge you a fee of $25 to $50 to file SR22 insurance in Virginia. However, having an SR22 certificate in Virginia will increase your premium amount  depending on the provider you choose, your driving violation, age, and other factors.

You can check the table below to get an estimate of how much a Virginia SR22 Insurance is going to cost you – 

High Risk Rating Factor Average Annual Rate Increase vs. no violations
No Violations
$1,005
-
At-fault collision with damage over $2,000
$1,562
$557
Speeding of 21-25 mph over the limit
$1,249
$243
Reckless driving
$1,402
$397
Racing
$1,568
$563
Hit-and-run
$1,576
$571
DUI/DWI
$1,531
$526

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How long will I need an SR-22 in Virginia?

The SR22 insurance in Virginia is to be maintained by a driver for a minimum of three years depending on the violation committed. Your auto insurance provider will notify the Virginia Department of Motor Vehicles (DMV) if and when your SR22 insurance lapses. This will lead to the suspension of your driving license until the SR22 is renewed.

 

Non-Owner SR22 Insurance In Virginia

In Virginia, Non-owners SR22 insurance is required for drivers who drive a car but don’t own it. This includes coverage for any damage caused by the driver while driving. The cost of a non-owner SR22 insurance in Virginia depends on a few components including age, sexual orientation, postal division, conjugal status, driving record, and FICO score.

SR22InsuranceNow can help you in finding insurance companies in Virginia that offer non-owner SR22 insurance. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day.

Call us at 888-885-3948 now!

 

Frequently asked questions related to SR22 Insurance in Virginia

 

1. Where can I get the cheapest SR22 Insurance in Virginia?

SR22InsuranceNow can help you find the cheapest SR22 Insurance in Virginia. Top cities covered – Richmond, Virginia Beach, Norfolk, Chesapeake,  Arlington, Newport News, Alexandria, Hampton, Roanoke,  Portsmouth, Suffolk, Lynchburg, Centreville, Dale City, Reston, Charlottesville and more.  

Our nationwide partnerships with top providers (Geico, State Farm, Progressive, Allstate etc) will help you get the cheapest SR22 insurance rates in all counties and cities in Virginia. Call us now at 888-885-3948!

 

2. How to get cheapest SR22 Insurance in Virginia without a car?

If you don’t own a car, you have to get a Non – Owners SR22 Insurance. This insurance covers the cost of any damage caused by the driver while driving.

SR22InsuranceNow will help in finding insurance companies that offer the cheapest non-owner SR22 insurance in Virginia. It just takes a couple of minutes and you can have your non – owner SR22 documented on the same day. Give us a call at 888-885-3948 today!

 

3. What’s the difference between SR22 and FR44 Insurance in Virginia?

Excluding Virginia and Florida, all other states require an SR22 insurance to restore the license for driving related offenses. These two states have incorporated an exclusive certificate, FR44, for DUI and DWI offenses, whose liability limit is almost double than that of a typical SR22 Insurance, making FR44 insurance more expensive.

This is mainly incorporated since drunk or impaired driving can have much more disastrous consequences. Sadly, drivers convicted for DUI/DWI are repeatedly continuing the same behaviour. Hence introducing a much higher premium via FR44 insurance serves the purpose of keeping a check on intoxicated driving. A higher insurance coverage, also acts as a resource to hopefully meet the needs of injured parties.

Need to get an FR44 Insurance in Virginia? SR22InsuranceNow can help you in finding insurance companies that offer FR44 insurance in Virginia. It just takes a couple of minutes and you can have your FR44 documented on the same day. Call us at 888-885-3948 now!

 

4. Which companies offer cheap SR22 Insurance in Virginia?

Top insurance companies like State Farm, Geico, Allstate, Progressive and many more offer cheap SR22 Insurance in Virginia. 

You can call SR22InsuranceNow and one of our executives will assist you in getting the cheapest SR22 Insurance plan now! Call us now at 888-885-3948

 

5. Which companies offer cheap Non – Owner SR22 Insurance in Virginia?

State Farm, Geico, Allstate Progressive and more top companies offer cheap Non – Owner SR22 Insurance in Virginia. 

You can call SR22InsuranceNow (888-885-3948) and one of our executives will assist you in getting the cheapest Non – Owner SR22 Insurance plan now!

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