Virginia SR-22 & High-Risk Auto Insurance
Virginia requires 50/100/25 liability coverage and is an at-fault state.
Get Quotes Based on Your RecordVirginia 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Virginia
Drivers with DUI convictions, reckless driving charges, driving on a suspended license, or accumulating 12+ demerit points in 12 months typically face SR-22 filing requirements from the Virginia Department of Motor Vehicles. The SR-22 certificate proves continuous insurance coverage and must remain active for 3 years from the reinstatement date. Lapses during this period restart the clock and can result in immediate license suspension.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in Virginia
$200–$210/mo
Typical monthly rate in Virginia, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Demerit point balance: Virginia's point system assigns 3–6 points for moving violations; higher point totals during SR-22 period result in steeper surcharges
Get a Rate That Matches Your Record Today
Get Quotes Based on Your RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Virginia's 25/50/20 minimums are legally sufficient for SR-22 filing but can leave you personally liable for amounts exceeding policy limits after a serious accident.
SR-22 Insurance
Certificate filed by your insurer with the Virginia DMV proving continuous liability coverage. Required for 3 years after DUI, reckless driving, or license suspension violations.
Non-Standard Auto Insurance
Specialized carriers that insure high-risk drivers standard companies decline or price prohibitively. Use alternative underwriting focused on recent behavior rather than applying blanket surcharges for past violations.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Optional in Virginia but provides critical protection given the state's estimated 12% uninsured driver rate.
Full Coverage
Combines liability, comprehensive, and collision to protect your vehicle and cover damage you cause. Required by lenders on financed vehicles regardless of driving record.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Requires a deductible ($500–$1,000 typical) and premiums are based on vehicle value and your violation history.