FR-44 Insurance in Virginia — Filed With the DMV

FR-44 insurance in Virginia is not a separate policy — it is a certificate of financial responsibility your insurer files with the Virginia Department of Motor Vehicles to prove you carry the higher liability coverage the state requires after a DUI. As a licensed insurance agency, we handle FR-44 insurance in Virginia for drivers across the state, from Virginia Beach and the Hampton Roads region to Richmond, Arlington, and Fairfax County.

Virginia is one of only two states that use the FR-44 — Florida is the other — and which certificate you file comes down to your offense. We confirm what the state expects and file both FR-44 insurance in Virginia and the SR-22 whenever a record calls for each.

FR-44 and SR-22 Triggers in Virginia

The FR-44 exists because Virginia treats impaired-driving convictions more seriously than other violations. Under the Code of Virginia, a DUI conviction — including a first offense and a breath-test refusal — triggers an FR-44 and the higher limits that come with it.

An SR-22, by contrast, covers uninsured driving, demerit-point suspensions, and other non-DUI violations. Both certificates are filed electronically by a licensed insurer — a driver cannot self-file either — so we check your record and file the one your case calls for.

Virginia’s 100/200/50 FR-44 Limits

An FR-44 requires far more coverage than an SR-22, and its per-person bodily-injury floor runs several times the SR-22 requirement. Virginia sets the FR-44 minimum liability limits at 100/200/50 — $100,000 in bodily injury per person, $200,000 per accident, and $50,000 for property damage.

Your FR-44 insurance in Virginia has to meet or exceed these 100/200/50 minimum limits for the full filing period, or the Department of Motor Vehicles will not accept it. We quote coverage that qualifies from the start and never leaves a gap.

Non-Owner FR-44 in Virginia

If you need an FR-44 but do not own a car, Virginia allows a non-owner FR-44. It carries the same 100/200/50 limits and suits drivers who borrow, rent, or occasionally drive a vehicle they do not own, without tying the proof to one car.

A non-owner SR-22 works the same way for the non-DUI cases, and we write both. The Virginia Department of Motor Vehicles accepts the non-owner FR-44 for the same requirement an owner policy would.

SR-22 in Virginia

Not every Virginia filing is an FR-44. If your suspension came from driving uninsured, a demerit-point total, or an at-fault crash without coverage, you file an SR-22 instead, which carries the state’s lower 50/100/25 liability limits rather than the higher FR-44 floor.

The SR-22 is filed with the Virginia Department of Motor Vehicles in the same electronic format as the FR-44. We confirm your trigger and file the right certificate, and our SR-22 insurance in Virginia page covers that side in full.

After a DUI or License Suspension in Virginia

Most FR-44 filings follow a DUI, and the certificate is only one part of getting back on the road. A conviction can also require an ignition interlock device, and your coverage has to stay active the entire time to keep a license suspension from returning.

Our DUI insurance and suspended-license insurance pages walk through how the filing fits the wider reinstatement. We quote the qualifying policy and file the certificate that satisfies your requirement, and the DMV lifts the hold once it is on file.

FR-44 Insurance in Virginia Duration Rules

Virginia requires both the FR-44 and the SR-22 for a three-year filing period. The term runs across three consecutive years of continuous coverage, and any gap can restart the clock, so keeping the policy active from the first day matters.

If your coverage lapses, your insurer files an FR-46 cancellation notice with the Department of Motor Vehicles right away, and the state suspends your license again. We watch your FR-44 insurance in Virginia so a lapse does not catch you off guard before the term is met.

Reinstatement Fees After a Virginia Suspension

Beyond carrying the certificate, Virginia charges a reinstatement fee to restore your driving privileges — commonly $220 for a DUI or financial-responsibility suspension, collected by the Department of Motor Vehicles once your period is served. A DUI case can carry added court and program costs, separate from the premium itself.

We file your certificate and confirm the paperwork so nothing stalls your reinstatement, but only the Department of Motor Vehicles can lift the hold and reissue your license. Getting qualifying coverage in place is the first step back toward a valid license.

Statewide FR-44 and SR-22 Filing

We handle FR-44 filings across Virginia for drivers from Hampton Roads and Richmond to the Northern Virginia suburbs, and every FR-44 and SR-22 goes to the same statewide filing system at the Department of Motor Vehicles. Wherever you are in the state, the rules on this page apply.

We handle your filing directly, and we can start it the same day. Every case has its own timeline — tell us your situation and we will quote the coverage and file your FR-44 insurance in Virginia for you.

Frequently Asked Questions About FR-44 Insurance in Virginia

These are the questions Virginia drivers ask us most about an FR-44 filing after a DUI. Each answer sticks to what the Virginia Department of Motor Vehicles requires — the 100/200/50 limits, how long the filing runs, and what a lapse does to your license.

When Does Virginia Require an FR-44 Instead of an SR-22?

A DUI conviction — including a first offense or a breath-test refusal — triggers an FR-44 and the higher limits that come with it. Uninsured driving, demerit-point suspensions, and other non-DUI violations take an SR-22 instead. We check your record and file the certificate your case calls for.

What Are Virginia’s FR-44 Minimum Limits?

Virginia’s limits are 100/200/50 — $100,000 in bodily injury per person, $200,000 per accident, and $50,000 for property damage. Your FR-44 coverage has to meet or exceed that floor, or the Department of Motor Vehicles will not accept the filing.

Can I Get a Non-Owner FR-44 in Virginia?

Yes. If you need an FR-44 but do not own a car, Virginia allows a non-owner FR-44 that carries the same 100/200/50 limits. It fits drivers who borrow, rent, or occasionally drive a vehicle they do not own, without tying the proof to one car.

What Happens If My FR-44 Lapses in Virginia?

If your coverage lapses, your insurer files an FR-46 cancellation notice with the Department of Motor Vehicles right away, and the state suspends your license again. A gap can restart the clock, so keep the policy active and tell us before you change anything.