Got Convicted OF DUI, DWI… And Need Insurance ?
We offer fast FR-44 Insurance same day filing, to help you reinstate your driving privileges.
Understanding FR-44 Insurance in Virginia?
1 – What is an FR-44?
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.
3 – 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 Minimum 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, an FR-44 policy can be a more affordable option.
Insurance rates may drop after three years if you maintain a clean driving record.
FR-44 Insurance in Virginia
If you need to reinstate your license, you can purchase FR-44 Insurance. This policy provides liability-only coverage
Who Needs 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 sr-22 INSURANCE instead ?
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.
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
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!
Tailored Solutions:
Customized insurance coverage that meets the specific needs of your Virginia business, ensuring you’re protected against unique risks.
Bilingual Support:
Comprehensive support in both English and Spanish, facilitating clear communication for Virginia’s diverse business community.
Fast Claims Process:
A streamlined, efficient claims process to minimize disruption and get your business back on track swiftly.
Industry Expertise:
Deep understanding of local industries, offering insights and coverage to protect against specific risks.
Customer Service Commitment:
Unwavering dedication to your peace of mind, with a focus on partnership and exceptional service throughout your journey with us.