Virginia SR-22 & FR-44 insurance, filed the same day.
We file SR-22 and FR-44 directly with the Virginia Department of Motor Vehicles (DMV) and shop many carriers licensed in Virginia to find the lowest rate for your record.
Talk to a licensed agent in Virginia now — SR-22 or FR-44 quoted in minutes
SR-22 minimum limits
10/20/10 (PIP & PDL basics)
FR-44 minimum limits
100/300/50 (DUI filing)
Call now for your Virginia SR-22 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
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SR-22 or FR-44 — which one do you need?
Virginia uses both forms. The right one depends on why your license was suspended.
SR-22
Florida minimum: 10/20/10
A certificate your insurer files with FLHSMV proving you carry the state-required liability coverage. Used for non-DUI suspensions.
- $10k PIP / $10k PDL minimums
- For uninsured accidents, points, judgments
- Owner and non-owner policies
FR-44
Florida minimum: 100/300/50
A higher-limit certificate required after a DUI conviction in Florida. Filed the same day with FLHSMV.
- $100k/$300k bodily injury, $50k property damage
- Required after DUI, not optional
- Non-owner FR-44 available
Same-day filing
Your SR-22 goes to the state the day you buy.
Monthly payments
Spread the cost for qualifying drivers.
Owner & non-owner
Whether or not a car is in your name.
Virginia law
SR-22 & FR-44 requirements in Virginia
- Filing period
- 3 years
- SR-22 minimum
- 10/20/10 (PIP & PDL)
- FR-44 minimum
- 100/300/50 (DUI)
- Files with
- Virginia Department of Motor Vehicles (DMV)
- Reinstatement fee
- $145-$220 depending on the offense
SR-22 vs. FR-44
Virginia uses an FR-44 for DUI convictions, requiring double the standard liability limits at 100/300/50. Other violations use a standard SR-22.
Filing period
3 continuous years from the reinstatement date, with immediate re-suspension if the policy cancels.
Higher base limits
Virginia raised minimum liability to 50/100/25 in 2025, so even a standard SR-22 policy costs more than in neighboring states.
Non-owner option
Non-owner SR-22 and FR-44 filings are accepted when you do not own or register a vehicle.
What triggers an SR-22 in Virginia
- DUI conviction (triggers FR-44)
- Driving uninsured
- Refusing a breath test
- Accumulating demerit points or a habitual offender finding
Interlock & verification
Virginia requires an ignition interlock for every DUI conviction, including first offenses, for at least 12 months of restricted driving.
Virginia DMV verifies coverage electronically and charges an uninsured motor vehicle fee for drivers without a policy.
Serving drivers in Virginia Beach, Chesapeake, Norfolk, Richmond, Arlington, Alexandria and every city in Virginia.
Virginia FR-44 after a DUI
Virginia FR-44 insurance
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 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
What makes the FR-44 different from the SR-22
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.
Latest Virginia SR-22 news
View all →8/2/2026
Navigating Virginia SR-22 Insurance: Your Path to Reinstatement
Understand the essentials of Virginia SR-22 insurance, from filing requirements with the DMV to the specific triggers and reinstatement processes.
8/1/2026
Virginia SR-22 and FR-44 Requirements Explained
Virginia uses an FR-44 after a DUI with 100/300/50 limits, plus higher base liability minimums.
Get your Virginia SR-22 or FR-44 today
Tell us about your situation and we will come back with Virginia SR-22 or FR-44 options — usually the same business day.
DUI conviction? Jump to the Virginia FR-44 section.
Other states we file in
Arizona
Colorado
Florida
Georgia
Louisiana
Missouri
Ohio
TennesseeSR-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 SR-22 & FR-44 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.