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Questions? Visit Us: 1108 E Main St, Richmond, VA•
Don't stay stuck without a license! We file your SR22 the same day and crush competitor rates by up to 40%
What is SR22 Insurance?
SR22 is not insurance itself, but a certificate that proves you carry the minimum required auto insurance coverage. It's filed directly with the Virginia DMV by your insurance company to verify your financial responsibility.
When Do You Need SR22 in Virginia?
Common Reasons for SR22 Requirements:
Reckless driving conviction
Driving without insurance
Multiple traffic violations in short period
At-fault accident while uninsured
License suspension for any reason
Virginia SR22 Requirements
Minimum Coverage Levels
Bodily Injury: $50,000 per person / $100,000 per accident
Property Damage: $25,000 per accident
Filing Period: Typically 3 years from conviction date
Continuous Coverage: No lapses allowed or DMV will be notified
Additional Requirements
Pay $600 non-compliance fee to DMV
Pay license reinstatement fee
Maintain continuous coverage for full 3-year period
SR22 Without a Car
If you don't own a vehicle but need SR22 filing:
Non-Owner SR22 Policy: Provides coverage when driving borrowed or rental cars
License Reinstatement: Required even without vehicle ownership
Future Vehicle Purchase: Continuous coverage counts toward requirement period
Our SR22 Services
Same-Day Filing
Immediate SR22 certificate issuance
Electronic filing with Virginia DMV
Confirmation documentation provided
Affordable Options
Competitive rates for high-risk drivers
Payment plans available
No hidden fees or surprises
Expert Guidance
Navigate complex DMV requirements
Ensure proper coverage levels
Maintain compliance throughout filing period
SR22 Process with 5-Star Insurance
Initial Consultation: Review your specific situation and requirements
Quote Generation: Compare options from multiple insurance carriers
Policy Purchase: Secure coverage that meets SR22 requirements
DMV Filing: We electronically file your SR22 with Virginia DMV
Ongoing Support: Monitor compliance and prevent lapses
Common SR22 Questions
How much does SR22 cost in Virginia?
The SR22 filing fee is typically $15-25, but the insurance policy itself varies based on your driving record and coverage needs.
What happens if my SR22 policy lapses?
Your insurance company must notify the DMV immediately, which can result in automatic license suspension.
Can I get SR22 if I live in Maryland but got a DUI in Virginia?
Yes, we can write policies with out-of-state filings to meet Virginia's FR44 requirements for Maryland residents.
Contact for Motorcycle Insurance
Phone: (804) 917-2127
Address: 1108 E Main St, Richmond, VA 23219
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