Virginia SR-22 & FR-44 Insurance After DUI
Virginia requires 50/100/25 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Virginia 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
Minimum Coverage Requirements in Virginia
Virginia requires minimum liability coverage of 25/50/20 for most drivers, but drivers with DUI convictions must carry FR-44 certification with higher 60/120/40 limits for 3 years. The Virginia Department of Motor Vehicles mandates FR-44 for alcohol-related offenses, while standard SR-22 applies to license suspensions from other violations. High-risk drivers transitioning off FR-44 should confirm their filing has been released by the DMV before shopping for standard coverage.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Full Coverage (Comprehensive + Collision)
FR-44 Certification
What Drivers Pay in Virginia
$260–$314/mo
Typical monthly rate in Virginia, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Clean driving during filing: no new violations during your 3-year FR-44 period unlocks standard carrier eligibility immediately
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If 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
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Virginia's 25/50/20 minimums are insufficient for most accidents—median at-fault accident costs exceed $35,000, leaving you personally liable for the difference.
SR-22 & FR-44 Insurance
Proof of financial responsibility filed electronically by your insurer to the Virginia DMV. FR-44 requires double the liability minimums and applies only to DUI convictions; SR-22 is for all other suspensions.
Full Coverage
Combines liability, comprehensive, and collision. Required if you finance or lease a vehicle. Protects your vehicle from theft, weather damage, vandalism, and accidents regardless of fault.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if an uninsured or underinsured driver hits you. Virginia requires insurers to offer UM/UIM at limits matching your liability coverage, but you can reject it in writing.
Comprehensive Coverage
Covers non-collision damage to your vehicle: theft, vandalism, hail, flooding, fire, and animal strikes. Required by lenders and particularly valuable for drivers who cannot afford to replace their vehicle out-of-pocket.
Non-Standard Auto Insurance
Insurance for drivers with DUI, suspensions, lapses, or multiple violations who cannot qualify for standard carriers. Non-standard carriers specialize in FR-44 and SR-22 filings but charge 80–200% more than standard market rates.