FR-44 vs SR-22
in Virginia.
Not sure which certificate the court or DMV ordered? Here is the plain-English difference, and how to get the right one filed the same day.
- Plain-English comparison
- We confirm which you need
- Same-day DMV filing
Takes about a minute.
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The difference in plain English
Both FR-44 and SR-22 are certificates your insurer files with the Virginia DMV to prove you carry the required liability coverage. They are not separate policies, and they attach to a regular auto policy or a non-owner policy.
The difference is the offense and the limits. SR-22 proves the standard state minimum limits and is used for offenses like driving uninsured, reckless driving, or too many demerit points. FR-44 proves higher limits and is specific to DUI and DWI convictions. Only Virginia and Florida use FR-44 at all.
Which one do you need?
A quick way to tell. If you are still unsure, we will confirm it with the DMV for you.
You likely need FR-44
Your requirement follows a DUI or DWI conviction in Virginia.
- DUI or DWI conviction
- Higher liability limits required
- About three years
- We file it the same day
You likely need SR-22
Your requirement follows a non-DUI offense like driving uninsured or reckless driving.
- Non-DUI offense
- State minimum limits
- About three years
- We file it the same day
FR-44 vs SR-22 at a glance
The four differences that actually matter.
The offense
FR-44: DUI or DWI. SR-22: uninsured, reckless, points, suspensions.
The limits
FR-44 requires higher liability; SR-22 the state minimum.
The cost
FR-44 usually costs more because the limits and offense are higher-risk.
The duration
Both typically run three years of continuous coverage in Virginia.
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.
Not sure which one? We will check
If your paperwork is not clear, do not guess. Call us with your situation and we will confirm whether the Virginia DMV wants an FR-44 or an SR-22, then file the right one the same day.
- We confirm your exact requirement
- Owner and non-owner options for both
- Same-day DMV filing
- No judgment, ever, just a fair price
FR-44 and SR-22 guides
Go deeper on either certificate.
FR-44 and SR-22 across Virginia
We file both certificates for drivers 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
What is the difference between FR-44 and SR-22 in Virginia?
Both are filed with the Virginia DMV to prove your liability coverage. SR-22 proves the standard state minimum 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 do I know which one I need?
It depends on your offense. A DUI or DWI means FR-44; most other suspensions or violations mean SR-22. If your court or DMV paperwork is unclear, call us and we will confirm it for you.
Is FR-44 more expensive than SR-22?
Usually, yes. FR-44 requires higher liability limits and follows a DUI, so it typically costs more than an SR-22 at state minimum limits. We shop carriers to keep either one as low as possible.
Can the same policy carry both?
You carry one certificate at a time based on your requirement. If your situation changes, we adjust your filing. Ask us and we will make sure the right one is on file.
How long do I need either certificate?
In Virginia, both typically run for three years of continuous coverage with no lapse. Confirm your exact requirement with the Virginia DMV.
Written by FR44 Insurance of Virginia
Reviewed by a licensed Virginia insurance agent. Last reviewed June 2026. Meet our team.
Get the right certificate filed today
Tell us your situation and we will confirm whether you need FR-44 or SR-22, then file it with the Virginia DMV the same day.