Virginia non-owner SR-22 insurance
No car in your name? A non-owner policy still satisfies the Virginia Department of Motor Vehicles (DMV) filing and is usually the cheapest way to get your Virginia license back.
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Can’t talk now? Request a callback insteadSR-22 vs. FR-44 in Virginia
Virginia is the other FR-44 state. A DUI conviction requires an FR-44 at 100/200/40 liability limits for three years. Other suspensions — uninsured accidents, unsatisfied judgments, driving on a suspended license — use the SR-22 at Virginia's standard minimums.
2025 limit increases
Virginia's minimum liability rose to 50/100/25 on January 1, 2025. That change raised the floor for SR-22 filings statewide, and every certificate written after that date must certify the new limits.
VASAP and interlock
The Virginia Alcohol Safety Action Program is mandatory after a DUI, as is an ignition interlock on every vehicle you operate. The DMV will not reinstate without proof of both, regardless of the FR-44 status.
Northern Virginia rates
Arlington, Alexandria, and Fairfax County carry the highest FR-44 premiums in the state. Non-owner FR-44 policies are available and often cut the cost by more than half for drivers without a titled vehicle.
Virginia non-owner SR-22 FAQs
What is an FR-44 in Virginia?
An FR-44 is the certificate Virginia requires after a DUI conviction. It certifies liability limits of 100/200/40 — double the state minimum — for three continuous years.
Did Virginia's minimum liability limits change?
Yes. Virginia's minimum liability increased to 50/100/25 effective January 1, 2025. FR-44 limits remain at 100/200/40.
Does Virginia still allow driving uninsured with a fee?
No. Virginia eliminated the uninsured motor vehicle fee in July 2024. All registered vehicles must carry liability insurance.
Is an ignition interlock required in Virginia after a DUI?
Yes. Virginia requires an ignition interlock for every DUI conviction, including first offenses, in addition to VASAP and the FR-44 filing.