Cheap SR-22 Insurance in Virginia
Prices reviewed 2026-11-13
Bottom line: Virginia SR-22 prices are mid-range, but the higher 2025 minimums and the double-limit FR-44 after a DUI push costs up.
Price levelAverage cost
Minimum limits50/100/25 (SR-22); 100/200/50 (FR-44)
SR-22 lengthAbout 3 years
Filed withVirginia DMV
What SR-22 insurance costs in Virginia
Northern Virginia costs more than Richmond, Roanoke and rural areas. Minimums rose to 50/100/25 in 2025, raising the floor price, and FR-44 policies at 100/200/50 cost more still.
How to pay less in Virginia
- Compare carriers that write FR-44s.
- Choose liability-only on older cars.
- Complete VASAP on time.
Virginia SR-22 rules that affect price
Virginia ended its uninsured motor vehicle fee option in 2024. A DUI requires an FR-44.
Virginia SR-22 price questions
Did Virginia minimums change?
Yes. They rose to 50/100/25 in 2025.
Is the FR-44 expensive?
More than an SR-22, because of the double limits.
Price levels compare Virginia with other states using published 2025 to 2026 industry rate studies. Confirm rules with the Virginia DMV.