drivers who commit serious traffic violations are required to file either an SR-22 or FR-44 certificate with the Virginia Department of Motor Vehicles before they can get their driving privileges reinstated.
If you are convicted of a serious traffic violation in Virginia—like driving without valid
How long does an SR-22 or FR-22 requirement last in Virginia?
As long as your insurance company files an SR-22 or FR-44 stating that your policy meets the necessary requirements, you’ll satisfy the state’s legal conditions. If you drive carefully and maintain your coverage, your SR-22 form will expire in three years.
How do you get SR-22 or FR-44 insurance in Virginia?
Quick answer: Your insurance company will file on your behalf. Just make sure you work with an insurance company that’s authorized to file a Virginia SR-22 or FR-44.
Here are some Virginia insurance companies that do SR-22 and FR-44 filing:
Once you pick an insurance company, you’ll have to provide your insurance agent with important information such as the name and date of birth of the convicted driver, the date the conviction occurred, the case number, length of filing time, and the type of SR-22 you need.
Your provider may also ask for details about the incident that led to the license suspension or conviction.
Need to know: If you're required to file an SR-22 or FR-44 in Virginia but you don't have a vehicle,
The average rate for filing an SR-22 form in Virginia is around$50, but you can see the exact amount your insurance company charges by checking your auto insurance policy documents or asking your insurance agent. Most providers include this fee with your first payment.
That said, you might also be on the hook for additional costs like:
Fines associated with your driving conviction
License reinstatement fees
The Virginia DMV’s $600noncompliance fee if you were caught driving without car insurance
Higher insurance costs due to the conviction or violation that led to your SR-22 requirement
Insurance note: Depending on your driving history and the severity of the conviction which results in your SR-22 requirement, you might even be classified as a
How an SR-22 or FR-44 impacts your car insurance in Virginia
You’ll face higher insurance costs: Your insurance company will assume you’re more likely to file claims and increase your premium to offset that elevated risk.
Carrying an SR-22 coverage requirement can also complicate the process of shopping for auto insurance. Some auto insurance companies aren't authorized to file SR-22s, and others will simply consider drivers with an SR-22 requirement as too risky to insure.
You can reduce the long-term effects of your SR-22 requirement by making an effort to
. As long as you drive safely and don’t rack up additional tickets or convictions, you can expect a decrease in your premium once your Virginian SR-22 or FR-44 requirement expires after three years.
Insurance tip: If you need to save in the short-term, try comparing rates from at least 3-5 insurers to see who’ll offer you the best rates. Sound like a big job? Make it easier with a
As long as you don’t let your insurance lapse or rack up additional violations, your Virginian SR-22 requirement will expire after three years.
How do I file an SR-22?
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You don’t have to file an SR-22 yourself—your car insurance company will do it for you. However, you’ll have to work with an insurance provider that’s authorized for SR-22 filing and pay a small filing fee.
Do I need an SR-22 if I have DUI or DWI?
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In the state of Virginia, drivers with DUI or DWI convictions are required to file an FR-44, a type of insurance certificate with higher coverage requirements. Just like the SR-22, the FR-44 form can only be filed by certain insurance providers and will raise your insurance rates.
Is an SR-22 expensive
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While the cost to file an SR-22 is only about $50, you’ll have to pay a much higher auto insurance premium in addition to fines or court costs associated with your violation, plus DMV fees.