Straightforward guidance for drivers who need an SR-22 filing, are comparing auto insurance, or need to understand their next step with the West Virginia DMV.
Available 24/7 for general questions and next-step guidance.
A call does not guarantee coverage, a quote, or state acceptance. Eligibility and filing capability must be confirmed.
If the West Virginia Division of Motor Vehicles or a court has told you to provide proof of financial responsibility, start by reading the notice carefully. An SR-22 is generally a filing made by an insurer; it is not a separate type of insurance policy. The policy must meet the applicable requirements and remain active for the period specified in your case.
SR-22 Insurance Dunbar helps drivers understand the questions to ask when comparing available policies. We do not promise approval, a specific premium, or a filing deadline without reviewing the facts of your situation.
Understand the filing, minimum limits, and questions to ask an insurer.
Learn when a non-owner policy may fit a driver who does not own a car.
Local information for drivers in the Kanawha Valley and nearby Putnam County.
Use the agency named on your notice to confirm the exact filing type, deadlines, and required duration.
The West Virginia Offices of the Insurance Commissioner lists mandatory auto liability limits of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people in one accident, and $25,000 for property damage. The Commissioner also lists mandatory uninsured-motorist limits. Your specific SR-22 order may require you to meet additional conditions, so do not rely on minimum limits alone.
Review the official mandatory-limits page and West Virginia Code §17D-4-2.
An SR-22 is a certificate or filing used to show that a driver has the required auto liability coverage. It is not a separate insurance policy by itself.
The required period depends on the reason for the filing and the instructions from the West Virginia DMV or court. Confirm your own start date and end date with the agency that ordered it; do not assume one duration applies to every driver.
A non-owner policy may be an option for eligible drivers who do not own a vehicle and need liability coverage with an SR-22 filing. It generally does not cover a vehicle you own or physical damage to a borrowed vehicle.
The filing itself may involve a fee, but the larger cost difference often comes from the driver's record, coverage, vehicle, location, and insurer underwriting. Compare the total premium and payment terms.
Read the SR-22 insurance guide · Understand cost factors · Review filing steps