Car insurance after
a DUI in Virginia.
A DUI does not end the road. We help Virginia drivers get covered, file the FR-44, and get their license back, with a fair price and no judgment.
- No judgment, ever
- Same-day FR-44 filing
- With or without a car
Takes about a minute.
Drivers reinstated
Average rating
DMV filing
Carriers compared
What changes after a DUI in Virginia
After a DUI or DWI conviction in Virginia, the DMV requires you to carry an FR-44 certificate, which proves higher liability limits, for about three years. Your rates go up at first, but they recover over time as the conviction ages and you keep a clean record.
We do this every day. We find a carrier that will cover you, file the FR-44 the same day, and help you keep the policy active so your reinstatement stays on track. No lectures, just a plan to get you driving again.
How we get you covered
Whether you own a car or not, there is a path back to a valid license.
FR-44 with a car
A standard auto policy plus the FR-44 certificate Virginia requires after a DUI.
- Full auto coverage plus FR-44
- Same-day DMV filing
- Optional comprehensive & collision
- Flexible payment plans
No car? Non-owner FR-44
If you do not own a vehicle, non-owner FR-44 is the most affordable way to reinstate.
- Our lowest-cost FR-44 option
- Covers borrowed or rented cars
- Same-day DMV filing
- No vehicle required
What a DUI does to your rate
Knowing what moves the price helps you keep it down. We shop carriers so you are not stuck with the most expensive one.
The conviction
A DUI raises your rate the most in the first year, then less over time.
FR-44 limits
Virginia requires higher liability limits after a DUI.
Time
Rates recover as the conviction ages and your record stays clean.
The carrier
Some companies treat a DUI far better than others. We find them.
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 have helped thousands start over
A DUI is stressful enough without an insurance runaround. Talk to a licensed Virginia agent who has handled this thousands of times, will quote you a real number, and will get your FR-44 filed the same day so you can move forward.
- Same-day FR-44 filing with the Virginia DMV
- We track your filing so it never lapses
- A real person who answers your questions
- No judgment, ever, just a fair price
After-a-DUI guides for Virginia drivers
Clear, judgment-free answers to what comes next.
DUI insurance help across Virginia
We help drivers reinstate after a DUI in every corner of the state. Wherever you are, the DMV process is the same and we handle it for you.
- Fairfax
- Alexandria
- Arlington
- Richmond
- Virginia Beach
- Norfolk
- Chesapeake
- Newport News
- Roanoke
- Lynchburg
- Harrisonburg
- Charlottesville
Frequently asked questions
Do I need FR-44 after a DUI in Virginia?
Yes. A DUI or DWI conviction in Virginia requires an FR-44 certificate, which proves higher liability limits, typically for three years of continuous coverage. We file it for you the same day.
How much does a DUI raise insurance in Virginia?
A DUI is one of the larger rate increases, and the amount depends on your record, location, and carrier. It is highest in the first year and eases over time. Comparing carriers is the best way to soften it, which is what we do for you.
How long does a DUI affect my insurance?
In Virginia, FR-44 is usually required for about three years, and the conviction can influence rates beyond that. As it ages and your record stays clean, your rates recover.
Can I get insurance with a suspended license?
Yes. We can often write a policy and file the FR-44 that helps you reinstate, even if your license is currently suspended. Call us and we will walk you through it.
Will you judge me for a DUI?
No. We help Virginia drivers in this exact situation every day. You will get straight answers, a fair price, and a same-day filing, nothing else.
Written by FR44 Insurance of Virginia
Reviewed by a licensed Virginia insurance agent. Last reviewed June 2026. Meet our team.
Get back on the road today
A DUI does not have to keep you parked. Talk to a licensed Virginia agent in minutes and we will file your FR-44 the same day.