Cheapest SR-22 insurance in Virginia
We found that State Farm has the cheapest SR-22 insurance in Virginia. On average, coverage from State Farm costs $77 per month or $927 a year. That’s $1,977 cheaper than the statewide average in Virginia.
Farm Bureau, USAA, and others also have cheaper-than-average rates for drivers with an SR-22. Since the cost of insurance varies so much from driver to driver, it’s a good idea to compare quotes before you get covered.

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Company | Average monthly cost of SR-22 insurance | Average yearly cost of SR-22 insurance |
---|---|---|
State Farm | $77 | $927 |
USAA | $122 | $1,459 |
Farm Bureau | $129 | $1,551 |
Travelers | $142 | $1,708 |
Auto-Owners | $146 | $1,751 |
Erie | $155 | $1,859 |
Nationwide | $177 | $2,127 |
Progressive | $200 | $2,405 |
American Family | $204 | $2,450 |
GEICO | $215 | $2,582 |
Allstate | $239 | $2,862 |
Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Virginia
We found the companies with the cheapest SR-22 insurance in Virginia by calculating the average rate for a 30-year-old male driver of a 2017 Toyota Camry LE with a suspended license or reckless driving citation on their record.
We collected rates from every ZIP code in Virginia for a policy with the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
What is SR-22 insurance in Virginia?
An SR-22 is not actually a type of insurance, but a form that your insurance company files for you to prove you’re covered. Virginia is one of two states where you don’t have to be insured, but you must pay a $500 fee if you don’t get a policy with at least:
Bodily injury liability (BIL): $30,000 per person, $60,000 per accident
Property damage liability (PDL): $20,000 per accident
Not all drivers in Virginia have to get SR-22 insurance, just high-risk drivers. You’ll be required to get SR-22 insurance after:
You fail to pay a judgment after an accident
You’re caught driving without insurance and didn’t pay the uninsured fee
You lie about having insurance
You’re convicted of a serious driving violation
You lie when applying for a license
You’re commit a felony involving a car
In Virginia, you’re required to carry an SR-22 for three years and pay a reinstatement fee. Your fee is $600 if you didn’t buy a policy or pay Virginia’s Uninsured Motor Vehicle fee, but it depends on your violation. [1]
What is the difference between an SR-22 and FR-44 in Virginia?
Virginia is one of the two states (the other is Florida) that requires some drivers to get an FR-44 instead of an SR-22. You will have to get an FR-44 if you’re caught driving under the influence of alcohol or drugs, or after seriously injuring someone while driving.
Just like with an SR-22, your insurance company will file an FR-44 for you once you’re covered. If you’re required to get FR-44 insurance, you need at least:
Bodily injury liability (BIL): $60,000 per person, $120,000 per accident
Property damage liability (PDL): $40,000 per accident
Cheapest FR-44 insurance in Virginia
According to our analysis, State Farm has the cheapest FR-44 insurance in Virginia. On average, the cost of F-44 insurance from State Farm costs $84 per month or $1,005 a year — $1,728 cheaper than the statewide average in Virginia.
Besides State Farm, Farm Bureau and Auto-Owners are the cheapest car insurance companies in Virginia for drivers who need an FR-44.

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We don't sell your information to third parties.
Company | Average monthly cost of FR-44 insurance | Average yearly cost of FR-44 insurance |
---|---|---|
State Farm | $84 | $1,005 |
Farm Bureau | $134 | $1,602 |
Auto-Owners | $149 | $1,790 |
Travelers | $150 | $1,795 |
USAA | $151 | $1,817 |
Erie | $165 | $1,978 |
Nationwide | $186 | $2,232 |
Progressive | $190 | $2,275 |
GEICO | $207 | $2,483 |
American Family | $214 | $2,566 |
Methodology: Why you can trust our picks for the cheapest FR-44 insurance in Virginia
We found the companies with the cheapest FR-44 insurance in Virginia by calculating the average rate for drivers with a DUI on their record.
Our driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit. We collected rates from every ZIP code in Virginia for a policy with the following limits:
Bodily injury liability: $100,000 per person, $300,000 per accident
Property damage liability: $100,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.
How to get SR-22 or FR-44 insurance in Virginia
After you’re labeled a high-risk driver and have to get SR-22 or FR-44 insurance, follow these steps to get covered:
Find a company that offers coverage: You might have to spend some more time shopping for SR-22 or FR-44 coverage, since not all companies in Virginia will file proof of insurance for you.
Pay all of your fines: When your license is suspended, you may have to pay more than one fine: one to reinstate your license and another that changes based on your violation.
Don’t let your SR-22 or FR-44 lapse: In Virginia, you must have proof of insurance for three years, provided you don’t let your policy lapse. If you do, you would face more fines and an even longer suspension.
Non-owner SR-22 or FR-44 insurance in Virginia
If you don’t own a car but you’re licensed, you may have to get non-owners insurance after a driving violation. Like a standard policy, when you have non-owners insurance your company will file SR-22 or FR-44 for you.
Non-owners insurance works almost exactly like a regular policy, but they’re cheaper since neither includes comprehensive or collision coverage. One difference is that it’s often harder to find non-owner insurance, especially for high-risk drivers.
Frequently asked questions
Can you drive without car insurance in Virginia?
Virginia is one of the states where you don’t need car insurance. That said, if you decide not to get covered, you still have to pay a Uninsured Motor Vehicle fee.
What is SR-44 insurance in Virginia?
There’s no such thing as SR-44 insurance in Virginia. An SR-22 and FR-44 are two different forms that high-risk drivers have to carry after a violation.
What does SR-22 insurance cost in Virginia?
The average cost of SR-22 insurance in Virginia is $242 per month or $2,904 a year. That’s more expensive than the cost of coverage with a clean record, which is $1,349 per year.