SR-22 insurance
in Virginia.
Court or DMV says you need an SR-22 after a suspension or non-DUI violation? We file it with the Virginia DMV the same day, with or without a car.
- Licensed Virginia agency
- Same-day DMV filing
- With or without a car
Takes about a minute.
Drivers reinstated
Average rating
DMV filing
Carriers compared
What SR-22 insurance actually is
SR-22 is not a separate insurance policy. It is a certificate your insurer files with the Virginia DMV to prove you carry at least the state minimum liability coverage. The DMV requires it after certain violations, most often driving without insurance, reckless driving, or piling up demerit points, so you can reinstate your license and keep it active.
The difference between SR-22 and FR-44 is simple: SR-22 proves the standard state minimum limits, while FR-44 (required after a DUI or DWI) proves higher limits. Not sure which one the court or DMV ordered? Tell us and we will check it for you.
Choose your SR-22 coverage
Own a car or not, there is a Virginia SR-22 option that fits. We shop multiple carriers to find your lowest price.
Owner SR-22
Standard auto coverage plus the SR-22 certificate Virginia requires when you own a vehicle.
- Meets Virginia’s state minimum limits
- Same-day DMV filing
- Optional comprehensive & collision
- Flexible monthly payment plans
Non-owner SR-22
No car? You can still reinstate your license. Non-owner SR-22 covers you as a driver in any car you borrow or rent.
- Our lowest-cost way to comply
- Covers you in borrowed or rented cars
- Same-day DMV filing
- No vehicle required
What affects your SR-22 price
Two drivers with the same violation can get very different quotes. That is exactly why we shop multiple carriers for you.
Your driving record
The violation behind the SR-22 and the rest of your history.
Coverage you choose
State-minimum limits cost less; more protection costs more.
Owner vs non-owner
No car? A non-owner SR-22 is usually the cheapest way to comply.
The carrier you land with
Prices vary widely by company. We compare to find your lowest.
How getting covered works
Three steps, often done the same day. We keep the paperwork off your plate.
1. Request a quote
Fill out the short form or call us. We only need a few basics to start, and there is no obligation.
2. Choose & purchase
Pick the coverage that fits your budget. Flexible monthly payment plans are available.
3. Same-day filing
We file your SR-22 with the Virginia DMV the same day and send your proof of insurance right away.
We handle the DMV filing for you
Once you are covered, your proof of insurance goes to the Virginia DMV the same day, and we keep the filing active for the full required period so your reinstatement stays on track. You handle getting back on the road; we handle the paperwork.
- Same-day electronic filing with the Virginia DMV
- We track your filing so it never lapses
- Owner and non-owner options
- No judgment, ever, just a fair price
SR-22 guides for Virginia drivers
Straight answers to the questions we hear most.
What is SR-22 insurance?
The plain-English version, and how it differs from a normal policy.
SR-22 vs FR-44: which do I need?
A quick way to tell which certificate the DMV ordered.
SR-22 insurance across Virginia
We file SR-22 certificates for drivers in every corner of the state. Wherever you are, the DMV process is the same and we handle it for you.
Frequently asked questions
What is the difference between SR-22 and FR-44 in Virginia?
Both are certificates your insurer files with the Virginia DMV to prove you carry the required liability coverage. SR-22 proves the standard state minimum limits and is used for offenses like driving uninsured, reckless driving, or too many points. FR-44 proves higher limits and is specific to DUI and DWI convictions.
How long do I need SR-22 in Virginia?
Most Virginia SR-22 requirements run for three years of continuous coverage with no lapse. The exact period is set by the DMV or the court, so confirm your specific requirement with the Virginia DMV.
Can I get SR-22 without owning a car?
Yes. A non-owner SR-22 covers you as a driver when you borrow or rent a car and is usually the most affordable way to satisfy the requirement if you do not own a vehicle.
How fast can I get an SR-22 filed?
In most cases the same day. Once you are covered, we file your SR-22 electronically with the Virginia DMV and send your proof of insurance right away.
Does a lapse in my SR-22 affect my license?
Yes. If your SR-22 lapses, your insurer notifies the DMV and your license can be suspended again. Keeping the policy active for the full required period is what protects your reinstatement.
Written by FR44 Insurance of Virginia
Reviewed by a licensed Virginia insurance agent. Last reviewed June 2026. Meet our team.
Get your Virginia SR-22 quote today
Same-day DMV filing, with or without a car. Talk to a licensed Virginia agent in minutes, even if your license is suspended.