Virginia SR-22 & High-Risk Auto Insurance
Virginia requires 50/100/25 liability coverage and is an at-fault state.
Compare Rates After SR-22Virginia at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$145
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Virginia
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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Full Coverage (Comprehensive + Collision)
SR-22 Certificate Filing
What Drivers Pay in Virginia
$260–$314/mo
Typical monthly rate in Virginia, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- 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
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Restricted driving privileges
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage 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.