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Home > SR-22 Insurance | Winchester and Harrisonburg, VA

SR-22 Insurance


SR-22 Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

SR-22 Quote Form

SR-22 Insurance Information

What Is an SR-22? 

Drivers who have committed serious traffic violations, such as driving without a license or proper insurance or being convicted of DUI charges, may be required by Virginia state law to obtain an SR-22/SR-26 Financial Responsibility Certification. An SR-22 is a form that your insurance provider files on your behalf with the state to prove your coverage meets the state’s minimum liability requirements.  

In Virginia, drivers may not be required to obtain an SR-22 but rather an FR-44/FR-46 Financial Responsibility Certification. Talk to your agent today to learn more about the differences between the two certifications.  

When Is SR-22 Insurance Required? 


Each state manages when SR-22 insurance is mandated. For example, individuals who have been convicted of a serious traffic violation may need it. State laws typically note which offenses trigger the need to obtain SR-22 insurance. Various governmental resources may help determine when necessary (e.g., the Department of Motor Vehicles website).  

How Does an SR-22 Affect You? 


Drivers who need an SR-22 typically pay more in premiums, as their past history has indicated a higher risk for a future violation or accident. Additionally, an SR-22 must be carried for a designated time period, depending on the severity of the violations. During this time, you must maintain continuous liability coverage. Any break in coverage will be reported to the state, resulting in the suspension of your license. 

How Much Does an SR-22 Cost? 

There may be a small fee associated with filing an SR-22 with the state. Be sure to talk to your insurer to learn more about how much that fee may be.  

In addition to the filing fee, those who need an SR-22 generally see an increase in the cost of obtaining auto insurance. The rise in premiums will vary based on various factors, including the type of offense and whether it was the first offense. To get a free quote, call us today for more information on SR-22 insurance.   
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HIS Insurance & Service Inc.
2810 Valley Avenue | Winchester, VA 22601
Harrisonburg Location
789 E Market St | Harrisonburg, VA 22801
Local: 540-678-1597 | Toll Free: 800-240-3654 | Fax: 540-535-0600
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