Updated August 6, 2026

Virginia's FR-44 Requirement Explained (Including Without a Car)

Virginia and Florida are the only two states that use the FR-44. In Virginia it applies specifically to DUI convictions, and it is considerably stricter than the SR-22 that covers other violations.

What Virginia requires

  • 100/300/50 liability limits — $100,000 per person, $300,000 per accident, $50,000 property damage.
  • Three years of continuous filing from the reinstatement date.
  • Ignition interlock for at least 12 months on any DUI conviction, including a first offense, if you want restricted driving privileges.
  • DMV reinstatement fees, paid separately from the insurance.
  • SR-22 vs FR-44 in Virginia

    An SR-22 covers uninsured driving, accumulated demerit points, and similar violations at Virginia's standard minimums. An FR-44 covers DUI and DWI convictions at double those limits. Buying an SR-22 when the order says FR-44 does not reinstate the license.

    If you do not own a car

    A non-owner FR-44 satisfies the DMV. It covers your liability when driving vehicles you do not own and are not regularly furnished. It does not solve the interlock requirement — that needs a vehicle to install the device on — but it clears the insurance side of reinstatement so the three-year clock can start.

    Keeping the license

    Virginia DMV monitors the filing electronically. A cancellation triggers immediate re-suspension, and in many cases the three-year period restarts. Autopay is the single most important thing you can do.

    We file with Virginia DMV directly

    Owner or non-owner, we quote multiple carriers at FR-44 limits and transmit the certificate the same day you bind.

    Need an SR-22 or FR-44 filed today?

    We shop multiple carriers and file with the state the same day you buy.