Updated March 2026
State Requirements
Virginia requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. 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.
Cost Overview
High-risk drivers in Virginia pay significantly more than standard profiles due to violation surcharges, FR-44 requirements, and reduced carrier competition. A DUI conviction increases premiums by 150–250%, while multiple at-fault accidents or a suspended license can result in 80–180% surcharges. Rates vary widely based on violation type, time since incident, and whether you require FR-44 filing versus standard coverage.
What Affects Your Rate
- Violation type: DUI/DWI convictions result in 150–250% rate increases and FR-44 requirement; at-fault accidents increase rates 40–80%; reckless driving or multiple speeding tickets add 30–70%
- Time since incident: rates begin decreasing after 3 years violation-free and drop significantly after 5 years as incidents fall off driving record
- FR-44 requirement: policies with FR-44 filing cost 180–300% more than standard coverage due to doubled liability limits and restricted carrier availability
- 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
- License status: reinstated licenses after suspension carry 20–50% surcharges for the first policy term due to lapse risk
- Prior insurance history: lapses in coverage within the past 12 months add 15–40% to premiums, even after reinstatement
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Get Your Free QuoteCoverage 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.
