What is Virginia DUI Insurance?

Do you have a drunk driving conviction? Call us today to reinstate your license with a fast Virginia FR-44 insurance filing.

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Virginia DUI insurance (FR-44 insurance) is necessary to reinstate your license after alcohol or drug-related motor vehicle convictions. Drivers can get an auto or non-owner insurance policy attached to an FR-44 financial responsibility certificate. Moving to another state does not cancel your DUI insurance requirement. To stay in compliance, contact the Virginia DMV before you move.

Most states require drivers to get SR-22 insurance after a DUI or DWI conviction. But in Virginia and Florida, there is a different filing for drunk driving license suspensions: FR-44 insurance. Virginia DUI insurance is exclusively for license reinstatement due to alcohol and drug-related convictions.

Virginia started using the FR-44 financial responsibility form in January 2008. Florida followed shortly after as the second state to adopt the FR-44 insurance certificate. As of 2022, these are still the only states that use FR-44 insurance certificates.

The state assigns demerit “points” to your driving record for any traffic violations, accidents, or DUI violations you commit. The Virginia DMV, for instance, has a three, four, and six-point demerit system based on the severity of each offense. The state will suspend your license if you accumulate a certain number of points over a specific time. Reinstating your license requires you to file an SR-22 or FR-44 insurance certificate.

Minimum Insurance Coverage Requirements for FR-44 in Virginia

FR-44, like SR-22 insurance, has to meet minimum liability coverage requirements. The minimum liability coverage requirements for Virginia DUI insurance are higher than for SR-22, which is understandable since the FR-44 deals with the more serious alcohol and drug-related driving offenses.

FR-44 insurance in Virginia policies must meet the following minimum coverage requirements:

  • $60,000 bodily injury per person
  • $120,000 bodily injury per accident
  • $40,000 property damage per accident
  • $30,000 per person or $60,000 per accident uninsured motorist bodily injury
  • $20,000 uninsured motorist property damage

What You Need to Know About DUI Insurance in Virginia

The FR-44 form is a financial responsibility form. Your insurance provider ties it to your auto insurance policy as a rider and electronically submits the form (certificate) to the DMV.

High-risk drivers with a DUI or DWI conviction who don’t own a car need to get a non-owner policy with an FR-44 insurance certificate. SR-22 and FR-44 non-owner insurance coverage   serves the same purpose as an auto insurance policy but works somewhat differently since it does not insure a vehicle.

It’s worth noting that Virginia FR-44 insurance requirements don’t end if you move to another state. It’s vital not to cancel or stop making payments on your FR-44 policy. That will result in suspension of your Virginia driver’s license, leading to problems getting a license in your new state. If you have a current Virginia FR-44 obligation and plan to move out of state, contact the Virginia DMV for instructions.

Drivers who require high-risk insurance must usually maintain it for three years. It’s essential not to let your FR-44 insurance policy lapse, or you risk another license suspension. Another license suspension may cause the state to extend your SR-22 or FR-44 requirement and your insurance rate to increase.

A driver opening a cold brew behind the wheel

Get FR-44 Insurance in Virginia from UltraCar Insurance

Do you have a suspended license and want to get back on the road? Depending on the cause of your suspension, you’ll need to file either an SR-22 or FR-44 insurance certificate. If you’re looking for low Virginia SR-22 and FR-44 insurance rates, consider UltraCar Insurance.

UltraCar Insurance is a top high-risk FR-44 and SR-22 insurance provider in Virginia. Our company and agents are licensed in 34 states, and our policies include Virginia DUI insurance and SR-22 insurance in Virginia. If you need a non-owner SR-22 or FR-44 insurance policy or motorcycle insurance (with or without a high-risk filing), you’ve found the right place! Please check our website and contact us to learn more.

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