Minimum Coverage Requirements in Virginia
Virginia requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. The Virginia Department of Motor Vehicles mandates SR-22 filing for DUI convictions, driving while license suspended, uninsured accidents causing injury or significant property damage, accumulation of 12+ demerit points in 12 months, or conviction as a habitual offender. For drivers who have recently completed SR-22, these minimums remain mandatory, but your rate is now determined primarily by time since your violation, your current carrier's rate recovery schedule, and whether you've actively shopped for post-SR22 pricing.
How Much Does Car Insurance Cost in Virginia?
Post-SR22 insurance rates in Virginia range from $150–$310/mo for liability-only coverage, depending on your original violation, time since SR-22 ended, and current carrier. Drivers who completed SR-22 within the last 6 months typically pay $240–$310/mo, while those 24+ months post-SR22 average $150–$210/mo. Actively shopping at the 6-month, 12-month, and 24-month marks after SR-22 completion can reduce your rate by 20–35% compared to staying with your current insurer.
What Affects Your Rate
- Time since SR-22 requirement ended — rates drop 15–25% at 12 months, 25–40% at 24 months, and approach standard rates at 36+ months
- Original violation type — DUI and reckless driving carry longer rate penalties (3–5 years) than point accumulation or uninsured accidents (2–3 years)
- Whether you've had any violations or at-fault accidents since SR-22 ended — a single new incident can reset your rate recovery timeline
- Current carrier's rate recovery schedule — non-standard carriers like The General and National General keep rates elevated longer than standard carriers like GEICO and Progressive
- Virginia location — Northern Virginia (Fairfax, Arlington, Alexandria) averages $20–$40/mo higher than rural areas due to population density and uninsured driver rates
- Credit score improvement since SR-22 period — Virginia allows credit-based insurance scoring, and improving your score by 50+ points can reduce rates by 10–20%
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance After SR-22
Minimum bodily injury and property damage coverage required by Virginia. Post-SR22 drivers pay $150–$240/mo for state minimums, but increasing to 100/300/50 limits can qualify you for standard-tier pricing 6–12 months sooner with carriers like GEICO, State Farm, and Progressive.
Full Coverage for Post-SR22 Drivers
Liability plus comprehensive and collision for your own vehicle. Required if you're financing or leasing. Post-SR22 drivers pay $240–$360/mo depending on time since SR-22 ended and vehicle value.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage. Virginia requires insurers to offer this coverage at limits matching your liability policy, but you can reject it in writing.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, weather, fire, and animal strikes. Optional unless you're financing. Post-SR22 drivers pay $40–$80/mo for comprehensive depending on vehicle value and deductible.
Collision Coverage
Covers damage to your vehicle from at-fault accidents and single-vehicle crashes. Required by lenders if financing. Post-SR22 drivers pay $90–$180/mo for collision depending on vehicle value, deductible, and time since SR-22 ended.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers. If you're within 6 months of SR-22 completion, non-standard carriers like The General, Acceptance, and National General may still offer the lowest rates. After 12–18 months, standard carriers become competitive.
