Non-Owner FR-44 Insurance in Virginia: Full Guide

Virginia is one of only two states that use an FR-44, and it applies to DUI convictions. If you were convicted but do not own a vehicle, you still need the filing — through a non-owner FR-44 policy.

What Virginia requires

How a non-owner policy works

A non-owner FR-44 provides liability coverage when you drive a car you do not own and that is not regularly available to you — a rental, a friend's car, a work vehicle in some cases. It does not cover a vehicle in your household, and it includes no comprehensive or collision, because there is nothing to physically insure.

The interlock complication

If the court ordered an interlock, you must have a vehicle to install it on in order to drive on a restricted license. A non-owner policy satisfies the DMV's financial responsibility requirement, but it does not solve the interlock requirement. Many Virginia drivers file non-owner first to clear the insurance side of reinstatement, then switch to an owner policy when they buy a car.

What it costs

A non-owner FR-44 in Virginia is usually cheaper than an owner policy at the same limits because there is no physical damage coverage and no rated vehicle — but it is not cheap. The 100/300/50 requirement is the main cost driver, not the "non-owner" label. Expect a meaningful jump over a standard non-owner policy.

Switching later

When you buy a car, the FR-44 moves to the new policy. Do not cancel the non-owner policy first — bind the new one the same day so the filing never lapses.

Get it filed today

We write non-owner FR-44 policies in Virginia and send the filing to the DMV electronically, usually the same business day.