Virginia SR-22 & High-Risk Auto Insurance
Virginia requires 50/100/25 liability coverage and is an at-fault state.
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Virginia at a Glance
50/100/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$145
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI or certain alcohol-related offenses must carry FR-44 certification with doubled liability limits of 50/100/40 for 3 years. The Virginia DMV may also require FR-44 for driving on a suspended license, reckless driving with alcohol involvement, or multiple uninsured violations. Uninsured motorist coverage is mandatory unless rejected in writing.
Liability Insurance
FR-44 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$21–$46/mo
Typical monthly rate in Virginia, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- Time since incident: rates begin decreasing after 3 years violation-free and drop significantly after 5 years as incidents fall off driving record
- Carrier availability: non-standard insurers like The General, National General, Bristol West, and Dairyland dominate the FR-44 market; standard carriers like State Farm and USAA rarely write FR-44 policies
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Restricted driving privileges
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
What is the difference between SR-22 and FR-44 in Virginia?
Virginia requires FR-44 instead of SR-22 for DUI and alcohol-related offenses. FR-44 requires double the liability limits of standard minimums: 50/100/40 versus Virginia's 25/50/20 base requirement. SR-22 is not accepted in Virginia for alcohol-related violations—you must obtain FR-44 from a licensed carrier. Non-alcohol violations may require standard financial responsibility certification but not FR-44.
Coverage Types
FR-44 Insurance
Virginia's financial responsibility filing for DUI and alcohol-related offenses, requiring 50/100/40 liability limits for 3 years. Not all carriers offer FR-44—expect to work with non-standard insurers.
Liability Insurance
Covers damage and injuries you cause to others. Virginia requires 25/50/20 for standard drivers and 50/100/40 for FR-44 filers. High-risk drivers should carry higher limits due to lawsuit exposure.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Mandatory in Virginia unless rejected in writing, and must match your liability limits for FR-44 policies.
Non-Standard Auto Insurance
Coverage designed for drivers who cannot obtain policies from standard insurers due to DUIs, suspensions, lapses, or multiple violations. Carriers include The General, National General, Bristol West, and Dairyland.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident. Required by lienholders but optional if you own your car outright. High-risk drivers pay 40–80% more than standard profiles.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage. Offers the most protection but costs significantly more for high-risk drivers. Necessary for financed or leased vehicles.