SR-22 in West Virginia: What You Need to Know

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
In West Virginia, after being convicted of a serious driving violation, you do not need your insurer to file an SR-22 form for you to prove financial responsibility when getting your license reinstated. However, you will still be required to meet the state’s minimum liability insurance requirements.
If your driver’s license was suspended after a major driving violation, your car insurance rates will go up—but that doesn’t mean your insurance costs need to be untenable.
Jerry is an AI-powered car insurance broker app that will help you find an affordable car insurance policy, even if you’ve been labeled a high-risk driver.
Sign-up takes under a minute, and then Jerry generates up to 50 quotes from the country’s best insurers for you to choose from. The app will also search for a better rate for you before each renewal period.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

West Virginia doesn’t require SR-22 coverage

Indeed, West Virginia is one of a handful of states that does not require an SR-22 certificate to reinstate your driver’s license after it’s been revoked or suspended due to a serious traffic violation. You’ll still need to provide proof to West Virginia’s DMV that you meet the state’s minimum liability insurance requirements.
All drivers in West Virginia are required to carry liability insurance. The state’s mandated minimum insurance requirements are as follows:
  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage coverage per accident
In West Virginia, drivers also must carry uninsured/underinsured motorist coverage and meet the following minimum requirements:
  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident
Key Takeaway Drivers do not need an SR-22 to reinstate their driver’s license after it’s been revoked or suspended, but they will need to provide proof of liability insurance and uninsured/underinsured motorist coverage.

Who needs SR-22 in West Virginia?

Drivers do not need an SR-22 form in West Virginia if their license is revoked or suspended. License suspensions are likely to occur if you’ve been convicted of the following severe driving violations:
  • DUI or DWI
  • Driving without insurance
  • Reckless driving
  • Failure to pay multiple traffic tickets or citations
  • A series of minor traffic violations within a short time frame
  • Numerous at-fault accidents
  • Refusing a breathalyzer test
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

Moving to a state requiring an SR-22

If you’ve been convicted of a major driving offense in West Virginia, but subsequently had your license reinstated, you may need your insurer to file an SR-22 form on your behalf if you move to a state that requires it.
In such a scenario, you’ll need to find an insurer in your new state that will file an SR-22 certificate for you, as your West Virginia insurer won’t do this.
Key Takeaway: If you’ve been convicted of a serious driving violation in West Virginia and you’re moving to a new state, make sure you secure an insurer in your new state to file an SR-22 form on your behalf.

How a license suspension impacts your insurance in West Virginia

If your license is suspended in West Virginia, your insurance premiums will likely rise steeply when buying coverage upon reinstatement.
Rates for a driver with a suspension on their record may rise anywhere from 78%-104% in-state, compared to what a driver with a clean record pays for standard auto insurance. Your premiums will remain high for a while, but practicing good driving habits and keeping a clean driving record will go a long way in decreasing your insurance rate over time.
Even though you’ll be faced with higher premiums upon reinstatement, it’s always a good idea to shop around for insurance to find the best rate you can.
Key Takeaway After your license is reinstated following a serious driving violation, be prepared to pay higher rates than you would with standard car insurance.

How to find cheap car insurance with Jerry

Finding a good deal on car insurance is possible for every driver, even ones with a less-than-perfect record. With Jerry, finding a great car insurance policy at an affordable rate is easier than ever.
After signing up with Jerry, the app generates up to 50 competitive quotes from the country’s top insurance providers for you to choose from. Just pick a policy, and Jerry will handle everything else for you, including signing you up for your new policy and canceling your old one. No forms, no phone calls, and no hassles!
“Jerry generated some quotes and gave me side-by-side comparisons of the best deals at different coverage levels. I was able to do some research and select the best choice, and with a few clicks I purchased new insurance and saved over $200 a month for similar coverage with a reputable provider!” - Sharla Z.
RECOMMENDED
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
avatar
Judith switched to Progressive
icon savingsSaved $725 annually
avatar
Alexander switched to Travelers
icon savingsSaved $834 annually
avatar
Annie switched to Nationwide
icon savingsSaved $668 annually

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free