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SR-22 in Virginia: Fees, Minimum Coverage and How Long
The short answer
In Virginia, an SR-22 is a certificate your insurance company files with the Virginia DMV to prove you carry at least the state minimum liability insurance of $50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage (50/100/25). You must keep it in force for 3 years; if the policy is canceled early, the insurer reports it and your license can be suspended again. The state charges no fee for the SR-22 itself; your insurer may charge its own filing fee. The state's reinstatement fees are $145 to $220, depending on the suspension.
At a glance
| Uses SR-22 | Yes |
|---|---|
| Minimum liability | 50/100/25 |
| How long | 3 years |
| State reinstatement fee | $145 to $220 |
| Who files it | Your insurance company |
What else to know in Virginia
Virginia raised its minimums to $50,000 / $100,000 / $25,000 for policies effective on or after January 1, 2025. After a DUI, Virginia requires an FR-44 instead of an SR-22, with double the SR-22 limits. Reinstatement is $145 for lapsed or no insurance and $220 after a DUI, and an uninsured suspension adds a $600 noncompliance fee. The option to pay an uninsured motor vehicle fee instead of buying insurance ended July 1, 2024.
Steps
- Get a liability policy of at least 50/100/25 from an insurer licensed in Virginia and tell them you need an SR-22. Not every insurer provides it.
- The insurer files the SR-22 with the Virginia DMV. You cannot file it yourself.
- Pay the state's fees on your suspension notice. The state's reinstatement fees are $145 to $220, depending on the suspension.
- Keep the policy active for 3 years. Before you cancel, confirm with the state that your requirement has ended; canceling early can suspend your license again.
FAQ
How long do I need the SR-22 in Virginia?
3 years, under Virginia's rules (see the sources below).
Does Virginia charge a fee for the SR-22?
No. It is filed by your insurer, which may add its own charge. The state's reinstatement fees are $145 to $220, depending on the suspension.
Can I get an SR-22 without a car?
Yes. Some insurers offer non-owner SR-22 policies for drivers without a vehicle. Coverage depends on the policy; ask the insurer.
What liability limits does Virginia require?
$50,000 per person and $100,000 per accident for injuries, and $25,000 for property damage (50/100/25). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.