Virginia FR-44
auto insurance.
Own a car and need FR-44 after a DUI or DWI? We file it with the Virginia DMV the same day and shop carriers to find your lowest owner rate.
- Licensed Virginia agency
- Same-day DMV filing
- Lowest owner rate, shopped
Takes about a minute.
Drivers reinstated
Average rating
DMV filing
Carriers compared
What FR-44 is and who needs it
FR-44 is not a separate policy. It is a certificate your insurer files with the Virginia DMV to prove you carry the higher liability limits Virginia requires after a DUI or DWI. Only two states use FR-44, Virginia and Florida, and you keep it active for about three years with no lapse.
If you own a vehicle, you need a standard auto policy plus the FR-44 certificate on top. We write the policy, file the FR-44 the same day, and keep it active so your reinstatement stays on track.
Choose your FR-44 coverage
Own a car or not, there is a Virginia FR-44 option that fits.
Owner FR-44
Full auto coverage plus the FR-44 certificate Virginia requires when you own a vehicle.
- Meets Virginia’s required FR-44 liability limits
- Same-day DMV filing
- Optional comprehensive & collision
- Flexible monthly payment plans
Non-owner FR-44
No vehicle? Non-owner FR-44 is the most affordable way to reinstate your license.
- Our lowest-cost FR-44 option
- Covers you in borrowed or rented cars
- Same-day DMV filing
- No vehicle required
What affects your FR-44 price
Two owners with the same conviction can get very different quotes, which is exactly why we shop multiple carriers for you.
Your record
The DUI or DWI plus the rest of your driving history.
Coverage you choose
FR-44 requires higher liability; comp and collision are optional.
Your vehicle
The car you insure affects the premium.
The carrier
Prices vary widely by company. We compare to find your lowest.
Virginia FR-44 liability limits: FR-44 requires higher liability limits than a standard policy. Exact figures are being confirmed with the Virginia DMV and will be published here once verified. Ask us and we will quote you the current required limits.
How getting covered works
Three steps, often done the same day. We keep the paperwork off your plate.
1. Request a quote
Fill out the short form or call us. We only need a few basics to start, and there is no obligation.
2. Choose & purchase
Pick the coverage that fits your budget. Flexible monthly payment plans are available.
3. Same-day filing
We file your certificate with the Virginia DMV the same day and send your proof of insurance right away.
We handle the FR-44 filing for you
Once you are covered, your proof of insurance goes to the Virginia DMV the same day, and we keep the FR-44 active for the full required period so your reinstatement stays on track. You handle getting back on the road; we handle the paperwork.
- Same-day electronic filing with the Virginia DMV
- We track your filing so it never lapses
- Owner and non-owner options
- No judgment, ever, just a fair price
FR-44 guides for Virginia drivers
Straight answers to the questions we hear most.
What is FR-44 insurance?
The plain-English version, and how it differs from a normal policy.
FR-44 insurance across Virginia
We write owner FR-44 policies for drivers in every corner of the state. Wherever you are, the DMV process is the same and we handle it for you.
Frequently asked questions
What is the difference between FR-44 and SR-22 in Virginia?
Both are certificates your insurer files with the Virginia DMV. SR-22 proves the standard state minimum limits and is used for offenses like driving uninsured or reckless driving. FR-44 proves higher limits and is specific to DUI and DWI convictions.
How much does FR-44 insurance cost in Virginia?
It depends on your record, age, location, the vehicle, and the coverage you choose. The DMV filing itself is a small fee; what raises your cost is the higher liability limits FR-44 requires plus the DUI on your record. Comparing carriers is the quickest way to lower it, which is what we do for you.
How long do I need to carry FR-44 in Virginia?
Most Virginia FR-44 requirements run for three years of continuous coverage with no lapse. Keeping it active is what protects your reinstatement. Confirm your exact period with the Virginia DMV.
Can I get FR-44 if I own multiple vehicles?
Yes. We write the policy for your vehicles and file the single FR-44 certificate the Virginia DMV requires. Ask us and we will quote your full household.
How quickly can I get an FR-44 filed?
In most cases the same day. Once you are covered, we file your FR-44 electronically with the Virginia DMV and send your proof of insurance right away.
Written by FR44 Insurance of Virginia
Reviewed by a licensed Virginia insurance agent. Last reviewed June 2026. Meet our team.
Get your Virginia FR-44 quote today
Same-day DMV filing for owners and non-owners. Talk to a licensed Virginia agent in minutes, even if your license is suspended.