FR-44 Insurance in Virginia
Quick answer: Virginia requires drivers with certain violations to file a FR-44 for 3 years. The filing fee is $15 and the average SR-22 policy costs about $200/month. The best carriers for Virginia are Dairyland (Sentry), Progressive, The General.
Virginia is one of only two states (with Florida) that uses FR-44. It requires double the state minimum liability limits.
Virginia FR-44 at a glance
| Form Required | FR-44 |
|---|---|
| Filing Fee | $15 (one-time) Virginia uses FR-44 (double liability limits) for DUI-related filings. |
| Filing Period | 3 years continuous |
| Minimum Liability | 50/100/40 ($1,000s: BI/person / BI/accident / PD) |
| Avg Monthly Cost (SR-22) | $200 |
| Typical DUI License Suspension | 12 months (first offense) |
| DMV Website | www.dmv.virginia.gov/ |
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Best FR-44 insurance companies in Virginia
These carriers are the top-rated FR-44 providers for Virginia drivers based on price, filing speed, and financial strength:
| Rank | Company | Starts At | FR-44 Filing | Notes |
|---|---|---|---|---|
| 1 | Dairyland (Sentry) | $75/mo | Yes | Purpose-built non-standard carrier. Fast electronic filing. |
| 2 | Progressive | $110/mo | Yes | Files SR-22 electronically in most states within 24-48 hrs. |
| 3 | The General | $85/mo | Yes | Low down-payment options and monthly billing. |
How to get an FR-44 in Virginia: step-by-step
- Confirm the requirement. Check your Virginia DMV letter or driver record for the exact filing requirement and start date.
- Get quotes from 3+ carriers. Focus on non-standard specialists: Dairyland (Sentry), Progressive, The General.
- Bind a policy and request FR-44 filing. Pay the $15 filing fee and any required down payment.
- Wait 24–48 hours for electronic filing. Virginia DMV updates records daily.
- Pay the Virginia reinstatement fee if required. Check your DMV letter — this is separate from the SR-22 filing fee.
- Maintain the policy continuously for 3 years. Any lapse restarts the clock and re-suspends your license.
Watch out for Virginia-specific rules
Virginia DUI suspensions last 12 months for a first offense. Do not let your policy lapse — Virginia DMV is notified within 10 days and will automatically re-suspend your license.
Virginia DUI insurance costs
After a DUI in Virginia, most drivers see their premium rise 70–110%. Average full-coverage premium climbs from about $105/month (clean record) to about $200/month (with SR-22). Some carriers non-renew after DUI, so non-standard specialists are usually your best bet.
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Frequently Asked Questions
How much does SR-22 insurance cost in Virginia?
The average SR-22 policy in Virginia costs about $200/month for full coverage, plus a one-time $15 filing fee. Non-standard carriers like Dairyland (Sentry) and Progressive typically offer the lowest rates.
How long is SR-22 required in Virginia?
Virginia requires SR-22 to be maintained for 3 years continuously. Any lapse in coverage restarts the 3-year clock and triggers an automatic license suspension.
What is the minimum liability in Virginia?
Virginia's minimum liability limits are 50/100/40 (bodily injury per person / per accident / property damage, in $1,000s). Your SR-22 must certify at least these limits.
Does Virginia use SR-22 or FR-44?
Virginia uses FR-44. Virginia uses FR-44 (double liability limits) for DUI-related filings.
How do I file an SR-22 in Virginia?
In Virginia, your insurance carrier files the SR-22 electronically with the Virginia DMV. You never file it yourself. Choose a carrier that files SR-22 (see below), pay any down payment, and request filing when you bind the policy. Filing is usually complete within 24–48 hours.