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If you’ve been convicted of a DUI, DWI… the state requires you to carry Virginia FR-44 insurance to reinstate your driving privileges
What is FR-44 Insurance in Virginia?
This high-risk insurance policy comes with double the liability coverage requirements of SR-22 and can be costly if you don’t shop around.
At Shore Tax & Insurance, we specialize in affordable Virginia FR-44 insurance by comparing rates from top providers to get you the best coverage at the lowest price.
What is an SR-22?
FR-44 insurance is a certificate of financial responsibility (CFR) required by the Virginia Department of Motor Vehicles (DMV) for high-risk drivers. It proves that you have purchased the state-required liability coverage after a major driving offense.
Difference between Sr-22 and Fr-44 ? / Who Needs FR-44 Insurance?
Unlike Sr-22, Fr-44s are typically required following serious driving offenses or incidents, including:
- DUI or DWI convictions
- Driving without insurance
- Multiple traffic violations in a short period
- License suspension or revocation
Virginia’s Requirements
The state requires you to carry FR-44 insurance to reinstate your driving privileges. This high-risk insurance policy comes with double the liability coverage requirements of SR-22 and can be costly if you don’t shop around.
FR-44 Insurance Requirements in Virginia
The state of Virginia doubles the minimum liability requirements for FR-44 holders. You must carry at least:
- $60,000 for bodily injury per person
- $120,000 for bodily injury per accident
- $40,000 for property damage per accident
These limits are significantly higher than the state’s normal 25/50/20 requirements for standard drivers.
How Much Does FR-44 Insurance Cost in Virginia?
FR-44 insurance is more expensive than regular auto insurance or SR-22 policies because of the higher liability limits and high-risk driver classification. On average:
FR-44 insurance in Virginia costs between $800 and $3,000 per year depending on your record, age, and location.
If you don’t own a car, a Non-Owner FR-44 policy can be a more affordable option.
Insurance rates may drop after three years if you maintain a clean driving record.
Non-Owner FR-44 Insurance in Virginia
If you don’t own a vehicle but still need to reinstate your license, you can purchase Non-Owner FR-44 Insurance. This policy provides liability-only coverage and is typically cheaper than standard FR-44 insurance.
Who Needs Non-Owner FR-44?
Drivers who borrow or rent cars frequently.
Individuals looking to reinstate their driver’s license after a DUI.
People without personal vehicles but still required to file FR-44.
Need Help with a Non-Owner SR-22?
Get a personalized quote and expert guidance on reinstating your license. Contact us today!
Have a car ?
How Long is FR-44 Required in Virginia?
Virginia requires FR-44 insurance for at least three years following a DUI/DWI conviction. However, this duration may vary depending on the court’s decision and additional violations.
You must maintain continuous coverage for the entire required period.
Failure to pay premiums or canceling the policy will lead to a license suspension.
After the required period, you can switch to a standard policy if you remain violation-free.
Why Choose Shore Tax And Insurance
When it comes to handling FR-44 requirements and securing the coverage you need, we make the process as smooth and stress-free as possible. Here’s how we stand out:
- Fast Filings – We understand the urgency of reinstating your driver’s license. That’s why we prioritize quick and efficient FR-44 filings with the Virginia DMV to get you back on the road ASAP.
- Competitive Rates – We work diligently to find you the most affordable FR-44 insurance options that meet Virginia’s strict legal requirements.
- Clear Guidance – Navigating FR-44 insurance can be confusing. We break down the process in simple terms, explain your responsibilities, and keep you informed every step of the way.
- Comprehensive Insurance Solutions – Whether you eventually need standard car insurance, renters insurance, or other coverage, we’re your one-stop shop for protecting what matters most.
Get a free FR-44 insurance quote today!
Ready to reinstate your license? Contact us to begin the FR-44 filing process – we’re here to help!