SR22 Insurance Virginia – Everything You Need to Know

If you’re a driver in Virginia, you may need to get SR22 insurance at some point. But what is SR22 insurance, and how does it differ from regular car insurance? In this article, we’ll answer these questions and more. We’ll also provide you with resources to learn more about SR22 insurance and how to get it.

What is SR22 Insurance?

SR22 insurance is a type of insurance required by the state of Virginia if you have been convicted of a DUI or other serious driving offense. The purpose of SR22 insurance is to provide proof of financial responsibility to the state.

If you have SR22 insurance, your insurance company is required to notify the Virginia DMV if your policy lapses or is canceled. Without SR22 insurance, you will not be allowed to legally drive in the state.

How Does SR22 Insurance Work?

When you get SR22 insurance, your insurance company will file an SR22 form with the Virginia DMV on your behalf. This form serves as proof of insurance and financial responsibility.

You will need to maintain your SR22 insurance for a set period of time, which is usually three years. During this time, if you let your policy lapse or cancel it, your insurance company is required to notify the Virginia DMV.

If you need to get SR22 insurance, you will typically have to pay higher premiums than you would for regular car insurance. This is because you are considered a high-risk driver due to your driving history.

What Offenses Require SR22 Insurance in Virginia?

In Virginia, you may be required to get SR22 insurance if you have been convicted of the following offenses:

Note that these are minimum requirements. Depending on the severity of your offense and your driving history, you may need to get more insurance coverage.

How to Get SR22 Insurance in Virginia

Getting SR22 insurance in Virginia is a relatively simple process. Here are the steps you’ll need to take:

Step 1: Contact Your Insurance Company

If you already have car insurance, contact your insurance company to see if they offer SR22 insurance. If they don’t, you’ll need to find a new insurance provider that does.

Step 2: Provide the Necessary Information

To get SR22 insurance, you’ll need to provide your insurance company with the following information:

• Your Full Name
• Your Driver’s License Number
• Your Vehicle Make and Model
• Your Address
• The Reason You Need SR22 Insurance

You’ll also need to pay your insurance premium upfront.

Step 3: Wait for Your SR22 Form to Be Filed

Once you’ve provided all the necessary information and paid your premium, your insurance company will file an SR22 form with the Virginia DMV on your behalf. You can then legally drive in the state.

Frequently Asked Questions About SR22 Insurance

How Long Do I Need to Have SR22 Insurance in Virginia?

In Virginia, you are typically required to maintain your SR22 insurance for three years.

Can I Cancel My SR22 Insurance Once I Get It?

You can cancel your SR22 insurance once the required period has passed. However, if you cancel your insurance before the required period is up, your insurance company is required to notify the Virginia DMV.

How Much Does SR22 Insurance Cost in Virginia?

The cost of SR22 insurance varies depending on several factors, including your driving history and the severity of your offense. However, you can expect to pay higher premiums than you would for regular car insurance.

What Happens if I Let My SR22 Insurance Lapse?

If you let your SR22 insurance lapse, your insurance company is required to notify the Virginia DMV. You will then be required to get new SR22 insurance before you can legally drive in the state again.

Can I Get Non-Owner SR22 Insurance in Virginia?

Yes, you can get non-owner SR22 insurance in Virginia. This type of insurance provides coverage for drivers who don’t own their own vehicle.

Conclusion

SR22 insurance is a type of insurance required by the state of Virginia if you have been convicted of a DUI or other serious driving offense. It serves as proof of financial responsibility and is required to legally drive in the state.

If you need to get SR22 insurance, contact your insurance company to see if they offer it. You’ll need to provide the necessary information and pay your premium upfront. Once your insurance company files an SR22 form with the Virginia DMV on your behalf, you can legally drive in the state.