Virginia FR-44 insurance after a DUI.
Virginia requires an FR-44 after a DUI conviction — higher liability limits than the SR-22, filed with the Virginia DMV and held for three years.
FR-44 quotes are faster by phone — quoted and filed in minutes
Filing period
3 continuous years from your reinstatement date
FR-44 limits
As of 2025: 100/300/50
Call now 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.
844-726-7727Mon–Fri 9am–7pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback instead- FR-44 liability limits
- As of 2025: 100/300/50 — $100,000 bodily injury per person, $300,000 per accident, $50,000 property damage
- Filing period
- 3 continuous years from your reinstatement date
- Files with
- Virginia Department of Motor Vehicles (DMV)
- Typical cost
- $120–$280 / month at FR-44 limits
FR-44 vs. SR-22 in Virginia
What makes the FR-44 different
Higher limits than the SR-22
Virginia's SR-22 tracks the state minimum limits. The FR-44 doubles them to 100/300/50 after a DUI conviction.
Payment terms
Unlike Florida, Virginia does not require an FR-44 policy to be paid in full. Monthly installment plans are commonly available and accepted by the DMV.
VASAP and interlock
The FR-44 filing sits alongside VASAP completion and, for most DUI convictions, an ignition interlock period.
Virginia does not require an FR-44 to be paid in full. Most high-risk auto insurance companies let you split the premium into scheduled monthly installments while still satisfying the DMV filing.
What triggers an FR-44 in Virginia
- DUI or DUID conviction in Virginia
- Refusal-related and out-of-state DUI convictions posted to your Virginia record
- Maiming while intoxicated or a related alcohol offense
- Reinstating after a DUI-related suspension or restricted license
How to get filed in Virginia
- 1Complete VASAP (Virginia Alcohol Safety Action Program) and any ignition interlock requirement.
- 2Buy a Virginia policy at the FR-44 liability limits.
- 3Choose a payment plan — monthly installments are widely available for Virginia FR-44 policies.
- 4Your carrier files the FR-44 with the Virginia DMV electronically.
- 5Pay the DMV reinstatement fee and confirm your compliance status before driving.
Virginia FR-44 insurance explained
Virginia and Florida are the only two states that use the FR-44. After a DUI conviction, the Virginia DMV requires proof of liability coverage well above the ordinary minimum — 100/300/50 as of the 2025 limit increases — before your driving privilege is restored.
FR-44 vs. SR-22 in Virginia
An SR-22 covers non-DUI financial-responsibility suspensions and tracks the standard state minimum limits. The FR-44 is DUI-specific and carries the higher limits. Unlike Florida, Virginia does not require the FR-44 policy to be paid in full — monthly installments are widely available. Everything else — electronic filing, the three-year clock, the DMV notification if the policy cancels — works the same way.
VASAP, interlock, and the FR-44
Most Virginia DUI convictions require VASAP enrollment and an ignition interlock on any vehicle you drive. The FR-44 runs in parallel: you can file it as soon as you buy a qualifying policy, even while you are still completing VASAP.
Keeping the filing active
The Virginia DMV is notified electronically if your FR-44 policy cancels or is not renewed. A lapse restarts the three-year requirement and re-suspends your license, so renew early and tell us before switching carriers.
Virginia FR-44 FAQs
What is an FR-44 in Virginia?
An FR-44 is the Virginia DMV's proof-of-insurance certificate for drivers convicted of DUI. It certifies that you carry liability limits well above the state minimum.
How long does Virginia require an FR-44?
Three continuous years from your reinstatement date. If the policy cancels, the DMV re-suspends your license and the three years start over.
Do I need both an FR-44 and VASAP?
Usually yes. VASAP handles the education and monitoring side; the FR-44 handles the insurance side. Both must be satisfied before full reinstatement.
Can I pay for a Virginia FR-44 monthly?
Yes. Virginia does not require FR-44 policies to be paid in full. Most high-risk carriers offer monthly installment plans that satisfy the DMV filing, so you can spread the premium over the term.
Can I get a non-owner FR-44 in Virginia?
Yes. A non-owner FR-44 meets the DMV requirement at the higher limits and is the cheapest option if no vehicle is registered to you.
How quickly can a Virginia FR-44 be filed?
Same business day in most cases. Call us and we can bind coverage and transmit the FR-44 to the Virginia DMV while you are on the phone.
Get your Virginia FR-44 filed today
One call and a licensed agent can quote FR-44 limits and transmit the filing to the Virginia Department of Motor Vehicles (DMV) — usually the same business day.