Best Cheap SR-22 and FR-44 Car Insurance in Virginia
The cheapest companies for SR-22 and FR-44 insurance in Virginia are Travelers and Farm Bureau.
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Best SR-22 car insurance in Virginia
Virginia drivers looking for the best SR-22 and FR-44 car insurance should check out Travelers, Farm Bureau and State Farm. These carriers tend to offer the lowest average rates for SR-22s in the state.
- SR-22 for driving without insurance: Travelers (31% below average for full coverage, and 41% below average for minimum coverage)
- SR-22 for reckless driving: Farm Bureau (45% below average for full coverage, and 53% below average for minimum coverage)
- SR-22 for an uninsured accident: State Farm (44% below average for full coverage), and Farm Bureau (47% below average for minimum coverage)
- FR-44 for a DUI: Farm Bureau (46% below average for full coverage, and 56% below average for minimum coverage)
Cheapest SR-22 insurance in VA after a driving without insurance violation
On average, Travelers offers the cheapest SR-22 insurance rates in Virginia for drivers who need an SR-22 due to a driving without insurance violation.
The average annual premium for full coverage car insurance
In contrast, Travelers’ premium averages around $1,623 per year for full coverage and $690 for minimum. That makes it more than 30% lower than average for full coverage and more than 40% lower for liability-only coverage.
| Company | Average monthly rate (liability only) | Average monthly rate (full coverage) | LendingTree rating | |
|---|---|---|---|---|
 | Travelers | $58 | $135 |  4.5/5 |
 | Farm Bureau | $58 | $139 |  3.5/5 |
 | USAA* | $60 | $156 |  4/5 |
 | Erie | $69 | $149 | 4.5/5 |
 | Auto-Owners | $78 | $167 |  5/5 |
 | Geico | $74 | $172 | 3.5/5 |
 | State Farm | $88 | $159 | 4.5/5 |
| State average | $98 | $195 | NA |
Cheapest SR-22 insurance in VA after a reckless driving violation
Farm Bureau has the cheapest average car insurance rates in Virginia for drivers who need an SR-22 due to a reckless driving violation.
The average car insurance rate in Virginia after a reckless driving conviction is $3,240 for full coverage, and $1,551 for liability-only. Farm Bureau is roughly half that.
A driver with a reckless driving ticket in Virginia pays around $1,779 a year for full coverage with Farm Bureau. And its liability-only policies average $723.
| Company | Average monthly rate (liability only) | Average monthly rate (full coverage) | LendingTree rating |
|---|---|---|---|
| $60 | $148 | 3.5/5 |
| $63 | $171 | 4/5 |
| $81 | $192 | 4.5/5 |
| $88 | $159 | 4.5/5 |
| $258 | $129 | 4.5/5 |
| State average | $270 | $129 | NA |
| $138 | $281 | 5/5 |
Cheapest SR-22 insurance in VA after an uninsured accident
For liability-only coverage, Farm Bureau is the cheapest company in Virginia for drivers who need an SR-22 due to an uninsured accident. State Farm is the cheapest for full coverage.
For SR-22 car insurance after an uninsured accident, average Virginia rates are about $3,417 annually ($285 per month) for full coverage. Minimum coverage is around $1,701 annually ($142 per month).
Farm Bureau, on the other hand, charges these same drivers an average annual premium of $1,664 for full coverage. State Farm averages $1,055 a year for liability only.
| Company | Average monthly rate (liability only) | Average monthly rate (full coverage) | LendingTree rating |
|---|---|---|---|
| $75 | $173 | 3.5/5 |
| $88 | $159 | 4.5/5 |
| $76 | $182 | 4.5/5 |
| $86 | $221 | 4/5 |
| State average | $98 | $195 | NA |
| $99 | $203 | 4.5/5 |
| $115 | $237 | 5/5 |
LendingTree ratings are based on the factors that matter most to car insurance shoppers, including rates, coverage options, discounts, customer experience and third-party data such as NAIC Complaint Index scores and A.M. Best financial strength ratings. Learn more about our car insurance ratings methodology and editorial guidelines.
See our full methodology for more information.
Best FR-44 car insurance in Virginia
An FR-44 is required in Virginia after certain serious driving offenses, including DUI-related convictions. It certifies that you have insurance and that you carry higher liability limits, as mandated by the Department of Motor Vehicles (DMV).
Cheapest FR-44 insurance in VA after a DUI
Farm Bureau tends to offer the cheapest rates in Virginia for drivers who need an FR-44 due to a DUI. Full coverage premiums average $1,179 a year and $723 for minimum coverage.
To compare, average rates for Virginia drivers after a DUI are $1,660 annually for minimum coverage ($138 per month) and $3,315 annually ($276 per month) for full coverage.
That means that Virginia drivers with a DUI could save an average of 45% with Farm Bureau. Those who need a liability-only policy could save even more, as Farm Bureau is 56% cheaper than average.
| Company | Average monthly rate (liability only) | Average monthly rate (full coverage) | LendingTree rating |
|---|---|---|---|
| $60 | $148 | 3.5/5 |
| $88 | $159 | 4.5/5 |
| $81 | $192 | 4.5/5 |
| $90 | $243 | 4/5 |
| $129 | $258 | 4.5/5 |
| $138 | $281 | 5/5 |
| State average | $138 | $276 | NA |
- In Virginia, average SR-22 insurance rates after being caught driving uninsured are $195 per month for full coverage or $98 for liability-only coverage.
- Average car insurance rates for Virginia drivers with an FR-44 after a DUI are $276 per month for full coverage or $138 for liability-only coverage.
- The cheapest carriers for SR-22 and FR-44 insurance in Virginia are Travelers and Farm Bureau.
- Rates can vary widely by insurer, so comparing multiple quotes can help you find more affordable SR-22 or FR-44 coverage.
What is SR-22 and FR-44 insurance in Virginia?
An SR-22 is a form your insurance company files with the Virginia DMV to show you carry the required amount of liability coverage.
An SR-22 is not a type of insurance. Instead, it’s proof that you have an auto insurance policy that meets Virginia’s requirements.
Virginia requires SR-22 insurance for certain driving offenses and other situations that can make you a higher-risk driver, including driving without insurance and reckless driving.
An FR-44 is also a form filed by your insurance company, but it’s used for more serious offenses, like DUI convictions. An FR-44 requires higher liability coverage than a standard Virginia auto insurance policy.
You will likely pay more for car insurance after an SR-22 or FR-44 is required, but the filing itself isn’t what causes your rates to increase. Any rate increase is generally due to the driving violation or other incident that triggered the requirement. Your insurer may also charge a small filing fee.
SR-22 vs. FR-44
SR-22s and FR-44s both prove you have required auto insurance, but they apply to different situations and require different liability limits in Virginia.
| SR-22 | FR-44 | |
|---|---|---|
| May be required after you are convicted of… |
|
|
| Minimum liability limits required | $50,000 for injury or death of one person$100,000 for injury or death of two or more people$25,000 for property damage | $100,000 for injury or death of one person$200,000 for injury or death of two or more people$50,000 for property damage |
| Must carry for… | Three years | Three years |
What to expect when you need an SR-22 or FR-44 in VA
If you’re required to file an SR-22 or FR-44 in Virginia, you’ll need to meet the state’s insurance and license requirements. The process typically involves getting the right coverage, having your insurer file the form and maintaining coverage for the required period.
Driving privileges are suspended or restricted
Depending on the violation, Virginia may suspend your driver’s license. You’ll need to meet the requirements associated with your violation before your license can be fully reinstated. In some cases, that includes filing an SR-22 or FR-44.
Request and pay for SR-22 or FR-44 filing
Ask your insurance company to file the appropriate form with the Virginia DMV, and plan to pay any required filing fees. If you need an FR-44, you’ll also need to carry higher liability limits than those required for an SR-22.
Insurance company files form with DMV
Your insurer files the SR-22 or FR-44 with the DMV, typically electronically. The filing shows that you have the required financial responsibility coverage.
Complete any license reinstatement requirements
Depending on your situation, you may need to pay reinstatement fees, complete a suspension period, provide proof of insurance or meet other requirements before your driving privileges are restored.
Maintain continuous coverage
Keep your policy active for the entire required period. If your insurer cancels your policy, it can notify the DMV by filing an SR-26 or FR-46, potentially causing your driving privileges to be suspended or revoked again until you provide new proof of coverage.
From a LendingTree expert
I was an insurance agent for Geico in Virginia before joining LendingTree, and one thing I always told policyholders was to confirm the DMV had received the filing before getting back behind the wheel. Your insurer submits the paperwork, but verify that it’s been processed before assuming you’re legally allowed to drive
How LendingTree helps you find the right policy
Shopping for car insurance isn’t always straightforward, especially if you need an SR-22 or FR-44. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your unique situation.
How it works
Tell us about your car
Answer a few quick questions about your car, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Shopping tips when you need an SR-22 or FR-44
Shopping for car insurance after a serious driving violation can take more work, but comparing quotes can help you find a better rate.
- Check filing availability: Not every insurer files SR-22 or FR-44 forms, so confirm before getting a quote.
- Compare high-risk insurers: Companies that specialize in coverage for high-risk drivers may offer coverage when traditional insurers won’t.
- Try an independent agent: Independent agents can compare policies from multiple insurers and may know which companies are more willing to cover drivers who need an SR-22 or FR-44.
- Get multiple online quotes: Compare quotes from several insurers using the same coverage limits so you’re comparing similar policies.
How to switch companies with an SR-22 or FR-44
You can switch car insurance companies while you have an SR-22 or FR-44, but it’s important to avoid a lapse in coverage. Follow these steps:
-
Shop for new coverage.
Get quotes from insurers that will file an SR-22 or FR-44 in Virginia. Make sure the quotes use the same coverage limits so you can compare prices fairly. -
Buy the new policy first.
Do not cancel your current policy until your new coverage is active. Even a short lapse can cause your insurer to notify the Virginia DMV and may lead to additional license problems. -
Have your new insurer file the form.
Ask the new company to file your SR-22 or FR-44 with the DMV before your old policy ends. -
Confirm the filing.
Make sure the new filing has been completed and your coverage is active before canceling the old policy. -
Cancel your old policy.
Once your new policy and filing are in place, you can safely cancel your previous coverage.
How to save on SR-22 or FR-44 insurance in Virginia
Even with an SR-22 or FR-44, you can take steps to lower your car insurance costs over time.
Shop around
Compare quotes from several insurers, including companies that specialize in high-risk drivers. Rates can vary significantly for drivers with the same violation, so shopping around can make a meaningful difference.
Consider raising deductibles
If you have full coverage, increasing your collision and comprehensive deductibles
Improve your credit
In Virginia, insurance companies can use your credit score as a factor when determining your rate. Virginia drivers with bad credit pay $246 a month for full coverage car insurance. That’s almost as much as Virginia drivers pay per month after a DUI ($276). Improving your credit can bring down your rate, even if you have a spotty driving record.
Frequently asked questions
With most carriers, yes. If you don’t own a car, you can get non-owner car insurance that allows your insurer to file an SR-22 with the Virginia DMV.
The cost varies by insurer and the violation that triggered the filing. In Virginia, average annual rates after driving uninsured are $1,174 for minimum coverage and $2,341 for full coverage.
Your insurance company electronically files the SR-22 with the Virginia DMV. You’ll need to ask an insurer that offers SR-22 filings to submit the form for you.
If you can’t find coverage from an insurer, you can apply to the Virginia Auto Insurance Plan (VAIP) to have your risk assigned to an insurance company.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services through publicly sourced insurance company filings. Rates are based on an analysis of more than 45,000 car insurance quotes for a typical Virginia driver. Prices are shown for comparative purposes only. Your own rates may be different.
All rates referenced on this page were taken from Quadrant on August 28, 2025, and were accurate as of that date. Any discrepancies between these rates and those listed elsewhere on LendingTree are due to this difference in reference date.
Unless noted otherwise, quotes are for a full coverage policy for a 30-year-old man with good credit who drives a 2018 Honda CR-V EX.
Coverage limits
Minimum coverage policies have the minimum liability limits required for an SR-22 or FR-44 certificate. Full-coverage policies include these minimum limits plus collision and comprehensive coverage with a $500 deductible.
How we evaluated car insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our car insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military as well as certain family members.
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