Virginia is one of only two states requiring FR44 insurance after a DUI. Same-day electronic filing to Virginia DMV. Lowest rates compared. No office visit required.
Get My Virginia FR44 Quote →Virginia and Florida are the only two states in the US that require FR44 insurance — a higher-limit financial responsibility certificate required specifically after DUI convictions. If you received a DUI in Virginia, the Virginia Department of Motor Vehicles (DMV) requires FR44 before reinstating your driver's license. FR44 Experts handles Virginia FR44 filings electronically, typically within one business day of payment.
Virginia FR44 requires significantly higher liability coverage than standard SR22 insurance. You must maintain it continuously for 3 years — any lapse triggers DMV notification, re-suspension, and resets your clock. We monitor your policy to prevent that.
| Coverage | Virginia FR44 | Florida FR44 | SR22 (Most States) |
|---|---|---|---|
| Bodily Injury / Person | $50,000 | $100,000 | $10,000 |
| Bodily Injury / Accident | $100,000 | $300,000 | $20,000 |
| Property Damage | $40,000 | $50,000 | $10,000 |
| Duration | 3 years | 3 years | 1-3 years |
Virginia FR44 limits ($50K/$100K/$40K) are lower than Florida FR44 ($100K/$300K/$50K) but significantly higher than standard SR22. Both are required after DUI only in their respective state.
Virginia requires FR44 for drivers convicted of:
If your violation was in another state, that state's filing requirement applies (usually SR22, not FR44). If you are a Virginia resident who received a DUI in Virginia, you need Virginia FR44 regardless of where you currently live.
Call (855) 678-6977 or submit our form. We compare Virginia FR44 carriers and find your lowest rate immediately.
Select your lowest rate and pay. Done in under 15 minutes.
Electronic filing to Virginia DMV. Confirmed within one business day. License reinstatement proceeds once filing is confirmed.
| Policy Type | Monthly Range |
|---|---|
| Non-Owner FR44 (no vehicle) | $30 - $60 / mo |
| Owner FR44 - Clean Record | $60 - $110 / mo |
| Owner FR44 - Prior Incidents | $100 - $150+ / mo |
Virginia FR44 rates are generally lower than Florida FR44 due to the lower required coverage limits. Rates vary by location, driving record, and carrier. We compare all available Virginia FR44 carriers.
Yes. Virginia and Florida are the only two states in the US that require FR44 insurance after a DUI. Other states use SR22. If you have a Virginia DUI, you need Virginia FR44 — not SR22. The filing is made to the Virginia DMV by your insurance carrier.
Both states require FR44 after DUI, but coverage limits differ. Virginia requires $50K/$100K/$40K liability. Florida requires $100K/$300K/$50K. Florida FR44 has significantly higher required limits. Both are required for 3 years with continuous coverage.
Yes. A non-owner FR44 policy satisfies Virginia's requirement without insuring a specific vehicle. It covers you when driving borrowed or rental vehicles. Starting around $30-$60/month. Required for the full 3 years regardless of vehicle ownership.
Any lapse triggers immediate Virginia DMV notification, license re-suspension, and your 3-year FR44 clock resets to zero. We monitor all policies to catch any billing issue before a lapse occurs.
If your Virginia driving privileges were affected by the Virginia DUI, you need Virginia FR44 to reinstate them — regardless of where you live. You may also need your home state's filing. FR44 Experts handles both Virginia FR44 and home-state SR22 filings in one call.
Electronic filing to Virginia DMV. Lowest available rate.
(855) 678-6977 →