Estimates, not quotes

SR-22 insurance in Chesapeake, VA

What an SR-22 costs in Chesapeake, how Virginia handles the filing, and how long it lasts.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Chesapeake

For comparison, a clean-record driver in their 30s pays about $640 for minimum coverage and $1,405 for full coverage in Chesapeake by our estimate.

SR-22 insurance — estimated annual premium in Chesapeake
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$810$1,740+27%
After an at-fault accident$955$2,060+49%
After a DUI$1,215$2,625+90%

Virginia rules that apply

Virginia uses the SR-22. Your insurer files it electronically with the state; if the policy lapses, the insurer must notify the state, which can suspend your license again. Plan on keeping it for about 3 years. After certain DUI convictions Virginia requires the FR-44 instead, with higher liability limits. Suspensions for uninsured driving require an SR-22 on file for three years; DUI-related convictions require an FR-44 with liability limits double the state minimums.

Any policy you buy must meet Virginia's minimum of 50/100/25 liability coverage and uninsured motorist coverage.

All Virginia car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Chesapeake

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Insurance offices in Chesapeake

There are 51 insurance offices listed near Chesapeake. See the full list with directions on the Chesapeake car insurance page.

  • Jessica Hester - State Farm 1245 Cedar Road
  • Zack Keaton - State Farm 644 Grassfield Parkway
  • Garry Campbell - State Farm 308 Cedar Lakes Dr. Suite 102 Corner of Cedar Rd & Cedar Lakes Dr
  • Corey Jones - State Farm 237 Carmichael Way
  • Insurance Office 552 Battlefield Boulevard South
  • Allstate
  • Al Vincents Auto Insurance 442 Battlefield Boulevard South
  • Farmers Insurance - Theresa Woolard 311 Johnstown Road
  • Allison Plante State Farm Insurance 200 North Battlefield Boulevard
  • Stewart Deacon - State Farm 2605 Moses Grandy Trail
  • John Daves - State Farm Insurance Agent 501 North Battlefield Boulevard
  • AAA Insurance 111 Kempsville Road

Frequently asked questions

How much does SR-22 insurance cost in Chesapeake?

The SR-22 filing itself usually costs a small one-time fee; the real cost is the higher premium that follows the violation. We estimate about $1,215 a year for minimum coverage after a DUI in Chesapeake, and $955 after an at-fault accident.

How long do you need an SR-22 in Virginia?

Typically about 3 years from the date required, but the court or DMV order sets the exact period. Suspensions for uninsured driving require an SR-22 on file for three years; DUI-related convictions require an FR-44 with liability limits double the state minimums.

What is an FR-44?

Virginia requires the FR-44 certificate after certain DUI convictions. It works like an SR-22 but proves higher liability limits.

Can I get SR-22 insurance without a car?

Yes. A non-owner policy with an SR-22 filing covers you when you drive borrowed or rented vehicles and satisfies the filing requirement in most states that use SR-22.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page