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.
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.
This article was last updated on March 1st, 2023 by UltraCar Insurance