If you own a motorcycle and need to file a Virginia FR44 Insurance certificate, you can obtain Virginia FR44 motorcycle insurance. UltraCar Insurance can endorse your FR44 certificate to a motorcycle insurance policy.
What is FR44 insurance?
You must file an FR44 certificate for license reinstatement after a DUI in Virginia. An FR44 is a financial responsibility form that a licensed Virginia insurance provider files for you. It’s a way to guarantee that you maintain the insurance while the state requires you to keep it. Virginia DUI license suspensions usually average three years, but the length of time depends on individual circumstances.
You can attach a Virginia FR44 motorcycle insurance certificate to a motorcycle, scooter, or moped policy. The insurance company that underwrote your insurance policy closely monitors it. If it lapses, the company notifies your insurance provider, who submits an FR46 to the state, which informs the DMV that your policy is no longer current. The state will suspend your license at that point, requiring you to repeat the reinstatement process.
How much does FR44 motorcycle insurance cost?
Alcohol and drug-related violations are the most severe motor vehicle offenses. That’s why the cost of FR44 high-risk insurance is much higher than standard or SR22 insurance. Premiums for Virginia FR44 motorcycle insurance depend on factors such as:
- Where you live (rural vs. urban)
- Your age
- Driving record
- Circumstances of your DUI conviction
- The type of motorcycle (a sport or high-performance bike may cost 2 to 3 times more than a regular street bike)
- The size of the engine
Other Virginia FR44 motorcycle insurance considerations:
You can attach the FR44 certificate to your motorcycle policy if your only vehicle is a motorcycle. Attaching the FR44 to the motorcycle policy may save you money if you own both a car and a motorcycle.
If you own any vehicle, you cannot purchase non-owner FR44 insurance. The DMV will most likely reject the non-owner filing if there is a record of a vehicle registered in your name. The only way to get a non-owner FR44 policy is to sell your vehicle(s). In this scenario, you would have to borrow a car from a friend or relative occasionally while the state requires you to have high-risk insurance. And that is only if the state does not require you to have an ignition interlock.
Of course, if the state requires you to have an ignition interlock, it needs to be installed on a car or truck. This means endorsing your FR44 certificate to a car or truck policy. If you’d like a quote on FR44 insurance with a car or truck, UltraCar Insurance partners with Intoxalock® as a service to our customers.
Virginia DMV
Learn more about reinstating your Virginia driver’s license and restricted driving privileges after a DUI conviction on the Virginia DMV website.
If your license suspension is not for a DUI violation, you can obtain SR22 Motorcycle Insurance. (See What’s the difference between SR22 and FR44 insurance?)
Virginia FR44 motorcycle insurance can be a less expensive way to reinstate your license and complete your FR44 insurance obligation. Talk with an UltraCar Insurance agent to discuss motorcycle insurance options. You can also get fast online quotes!
