Virginia FR-44 coverage limits
Virginia sets specific liability limits an FR-44 policy must meet: $100,000 / $200,000 / $50,000. This guide explains what each number covers, how it compares to the standard minimum, and how we make sure your policy qualifies before we file.
In Virginia, an FR-44 requires liability limits of $100,000 for bodily injury or death per person, $200,000 for bodily injury or death per accident, and $50,000 for property damage per accident — written as 100/200/50. These are higher than the standard minimum that applies to most Virginia drivers, and your insurer files the FR-44 with the DMV to prove the policy meets them.
- Virginia FR-44 liability limits are 100/200/50: $100,000 bodily injury per person, $200,000 bodily injury per accident, and $50,000 property damage per accident.
- These limits are higher than the standard minimum most Virginia drivers carry, which is why an FR-44 costs more.
- The limits are set by the state of Virginia, not by you or your insurer.
- Your policy must carry at least these limits the entire time the FR-44 is on file — usually about three years with no lapse.
- A non-owner FR-44 carries the same limits and meets the requirement if you do not own a car.
- We confirm the current required limits, write your policy to meet them, and file the FR-44 with the DMV the same day.
Virginia’s FR-44 liability limits
An FR-44 policy in Virginia must carry liability limits of 100/200/50.
In Virginia, an FR-44 requires high-risk auto insurance liability limits of $100,000 / $200,000 / $50,000. In practice, that means the policy your insurer files the FR-44 against must include at least:
- $100,000 for bodily injury or death of one person in an accident you cause;
- $200,000 for bodily injury or death of more than one person in a single accident;
- $50,000 for property damage in a single accident.
You will often see this written in shorthand as 100/200/50. The FR-44 itself is not a separate policy — it is a certificate your insurer files with the Virginia DMV to confirm your auto policy carries at least these limits.
What each limit actually covers
Each number protects other people and their property if you cause a crash. They do not pay for your own injuries or your own vehicle.
| Limit | Amount | What it pays for |
|---|---|---|
| Bodily injury per person | $100,000 | Injuries or death to one person you injure in an at-fault accident. |
| Bodily injury per accident | $200,000 | Total injuries or death to everyone you injure in a single accident. |
| Property damage per accident | $50,000 | Damage you cause to other people’s vehicles or property. |
These are liability limits — coverage for others. Comprehensive and collision, which protect your own car, are optional and priced separately.
How FR-44 limits compare to the standard minimum
The reason an FR-44 exists is to require more liability coverage than an ordinary Virginia driver has to carry. The standard state minimum is lower; the FR-44 raises the floor specifically for drivers reinstating after a DUI or DWI. Because the carrier is on the hook for more, the elevated limits are one of the two reasons an FR-44 costs more than a regular policy — the DUI on your record is the other.
The limits are set by the state of Virginia, not chosen by you or your insurer, so every compliant FR-44 policy carries the same 100/200/50 floor. What changes from driver to driver is the price a carrier attaches to those limits, which is why comparing carriers matters.
Do the limits change for a non-owner FR-44?
No. A non-owner FR-44 carries the same 100/200/50 liability limits and satisfies the DMV exactly like an owner policy. The difference is only that a non-owner policy covers you as a driver rather than a specific vehicle, which usually makes it the cheapest way to meet the requirement if you do not own a car.
How we make sure your policy meets the limits
It is three steps and we handle the paperwork: get a quote, buy a policy written to at least Virginia’s 100/200/50 FR-44 limits, and we file the certificate electronically with the Virginia DMV, usually the same day. Because the required limits are set by the state and can change, we confirm the current requirement for your case before we file, so the policy qualifies the first time. See FR-44 requirements in Virginia for the full requirement and how much FR-44 costs for what drives your price.
We file with the Virginia DMV the same day, with or without a car. Free quote from a licensed Virginia agent.
Frequently asked questions
What are the FR-44 coverage limits in Virginia?
Virginia requires FR-44 liability limits of $100,000 for bodily injury or death per person, $200,000 for bodily injury or death per accident, and $50,000 for property damage per accident — written as 100/200/50.
Are FR-44 limits higher than regular Virginia insurance?
Yes. The 100/200/50 FR-44 limits are higher than the standard minimum most Virginia drivers carry. The higher limits are one reason an FR-44 costs more than a standard policy.
Do these limits cover my own car?
No. These are liability limits that pay for injuries and property damage you cause to others. Coverage for your own vehicle (collision and comprehensive) is optional and priced separately.
Does a non-owner FR-44 have the same limits?
Yes. A non-owner FR-44 carries the same 100/200/50 liability limits and meets the Virginia DMV requirement, usually for less than an owner policy.
How long must I carry these limits?
For the full FR-44 compliance period, usually about three years from your reinstatement date, with no lapse in coverage allowed.
Who sets the FR-44 limits?
The state of Virginia sets them. They are not chosen by you or your insurer, so every compliant FR-44 policy carries at least the same 100/200/50 limits.
Written by FR44 Insurance of Virginia
Reviewed by Evan Marcotte, a licensed Virginia insurance agent (License #1023265). Last reviewed June 2026. Meet our team.
Need an FR-44 that meets Virginia’s limits?
We write your policy to Virginia’s 100/200/50 FR-44 limits and file it with the DMV the same day. Free quote from a licensed Virginia agent.