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, suspensions for accumulating too many points, or uninsured accidents typically must file SR-22 proof-of-insurance certificates with the Virginia Department of Motor Vehicles. SR-22 filing means your insurer electronically notifies the DMV that you carry continuous coverage, and any lapse triggers automatic 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
- Violation type: DUI convictions generate 2–3x rate increases versus single at-fault accidents
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Virginia's 25/50/20 minimums are the legal floor, but serious accidents routinely exceed these limits.
SR-22 Filing
Electronic proof-of-insurance certificate filed by your carrier to the Virginia DMV confirming continuous coverage. Required for 3 years after DUI, uninsured driving, or serious violations.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers including DUI, suspended license reinstatement, and habitual offender status. Acceptance rates and pricing vary by violation severity.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if an uninsured or underinsured driver hits you. Virginia requires insurers to offer this coverage at the same limits as your liability policy.
Full Coverage
Liability plus comprehensive and collision. Repairs or replaces your vehicle after accidents, theft, weather, or vandalism. Required by lenders on financed or leased vehicles.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident. Premium is based on vehicle value and chosen deductible ($500–$2,000).