Insurance Exchange of America
1-800-353-0545Quote nowEspañol

FR-44 insurance Virginia

DUI conviction in Virginia requires an FR-44 at double the standard limits. We quote specialist carriers and file electronically with the Virginia DMV the same day.

  • FR-44 filed electronically with the Virginia DMV today
  • 100/300/50 limits, exactly what Virginia requires after a DUI
  • Owner and non-owner FR-44 policies
  • Low down payments with monthly installments
Call 844-726-7727

Get your Virginia quote

No obligation. Or call 844-726-7727

20+ years in business
30+ carriers shopped
Same-day SR-22 filing

What FR-44 insurance means in Virginia

Virginia is one of only two states that use an FR-44 filing. A DUI or other serious alcohol-related conviction triggers it, and the liability limits are twice the state's normal minimums.

  • Virginia standard minimum: 50/100/25
  • Virginia FR-44 after a DUI: 100/300/50 bodily injury and property damage
  • Filing term: 3 continuous years from reinstatement

Why FR-44 quotes vary so much

Most standard insurers decline DUI records. The carriers that do write them price the risk very differently, so the same driver can see a wide spread for the same FR-44 policy. Comparing specialist carriers is the fastest way to a lower payment.

Getting your Virginia license reinstated

Once the policy is issued we transmit the FR-44 electronically, so the Virginia DMV sees it without you carrying paperwork to an office. See the full Virginia FR-44 requirements or check Virginia hardship license rules if you need to drive before reinstatement.

Frequently asked questions

What is FR-44 insurance in Virginia?

Virginia uses an FR-44 filing for DUI and certain alcohol-related convictions. It requires double the state's standard liability limits: 100/300/50 — $100,000 bodily injury per person, $300,000 per accident and $50,000 property damage.

How long do I need an FR-44 in Virginia?

Virginia requires 3 continuous years of FR-44 coverage from the date your license is reinstated. Any lapse or cancellation restarts the requirement and re-suspends your license.

Can I get FR-44 insurance the same day in Virginia?

Yes. We quote carriers that specialize in Virginia DUI records and file the FR-44 electronically with the Virginia DMV the same day the policy is issued.

What if I do not own a vehicle?

A Virginia non-owner FR-44 policy satisfies the filing at the same 100/300/50 limits and is usually the lowest-cost way to reinstate your license.

Fastest way to get filed

Call now for your SR-22 quote

A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.

1-800-353-0545

Mon–Fri 9am–7pm ET · Sat 10am–3pm ET

Can’t talk now? Request a callback instead
Tap to call 1-800-353-0545