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

Quote by phone: 844-341-0437

Fastest way to get filed

Quote by phone for your Virginia FR-44 quote

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

Quote by phone: 844-341-0437

Mon–Fri 9am–6pm ET · Sat 10am–3pm ET

Can’t talk now? Request a callback instead

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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.

Can’t talk right now?

Calling is the fastest way to get filed today. If you’d rather not talk, request a callback and a licensed agent will reach out.

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

Quote by phone for your Virginia FR-44 quote

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

Quote by phone: 844-341-0437

Mon–Fri 9am–6pm ET · Sat 10am–3pm ET

Can’t talk now? Request a callback instead

Quote by phone: 844-341-0437