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Virginia SR-22 & High-Risk Auto Insurance

Virginia requires 50/100/25 liability coverage and is an at-fault state.

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Virginia 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, suspended licenses due to point accumulation, or certain at-fault accidents typically must file SR-22 proof of financial responsibility with the Virginia Department of Motor Vehicles. Virginia operates a demerit point system where accumulating 18 points in 12 months or 24 points in 24 months triggers license suspension, and reinstatement after suspension often requires SR-22 filing for three years.

Liability Insurance

Virginia's 25/50/20 minimum is mandatory for all drivers and serves as the floor for SR-22 filings. High-risk drivers should consider limits of at least 50/100/50 or 100/300/100 because a single at-fault accident can easily exceed minimum coverage, leaving you personally liable for the difference and potentially triggering additional license actions.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate your insurer files with the Virginia DMV proving you carry at least minimum liability coverage. It's required for DUI convictions, driving on a suspended license, accumulating excessive demerit points, and certain uninsured motorist violations.

Full Coverage

Full coverage combines liability, collision, and comprehensive and is required if you finance or lease your vehicle, even with an SR-22 requirement. Lenders will force-place expensive coverage if your policy lapses, which also triggers SR-22 noncompliance and an additional license suspension.

Uninsured Motorist Coverage

Virginia requires uninsured motorist bodily injury coverage at the same minimum limits as liability (25/50) unless you reject it in writing. High-risk drivers should maintain at least 50/100 UM coverage because another accident—even one that's not your fault—can complicate your rate recovery timeline.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI convictions, SR-22 requirements, and multiple violations. These carriers are often more willing to write policies for drivers standard carriers decline, though premiums are higher.

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

  • Violation type: DUI convictions result in the highest surcharges, often doubling or tripling base rates for 3–5 years
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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. This is the foundation of any SR-22 filing and the minimum coverage required to drive legally in Virginia.

SR-22 Filing

Proof of financial responsibility filed by your insurer with the Virginia DMV. Required for DUI, suspended license, excessive points, and certain uninsured violations.

Non-Standard Auto Insurance

Policies designed for high-risk drivers who cannot obtain coverage from standard carriers due to violations, lapses, or SR-22 requirements.

Full Coverage

Combines liability, collision, and comprehensive to protect both your liability exposure and your vehicle's value. Required by lenders and lessors.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Virginia requires UM bodily injury at minimum liability limits unless you reject it in writing.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders; optional if you own your vehicle outright.

Find Your City in Virginia

Virginia Beach

urban

Chesapeake

suburban

Arlington

urban

Norfolk

urban

Richmond

urban

Newport News

urban

Alexandria

urban

Hampton

urban

Roanoke

urban

Portsmouth

urban

Suffolk

suburban

Lynchburg

urban