Drivers who commit an alcohol-related motor vehicle offense must buy FR44 Virginia insurance to reinstate their license.
Who needs FR44 Virginia?
People with DUI/DWI license suspensions must carry FR44 insurance for a certain time. Your license can be suspended for violations such as:
- Repeated DWI offenses
- Refusal to submit a breath or chemical test
- DUI accidents that cause bodily injury to another person
Virginia is one of two states (the other state being Florida) that have two types of high-risk insurance certificates:
- Virginia SR22 for violations not related to alcohol or drugs
- Virginia FR44 insurance for DUI/DWI offenses
Consequences of Virginia DUI/DWI
The state will suspend your license after a Virginia DUI or DWI violation. You’ll have to buy high-risk insurance to regain your driving privileges. Virginia imposes more severe penalties for DUI violations than non-alcohol or drug-related ones. Adult drivers who test at .08 or higher BAC (blood alcohol content) are charged with DWI (driving while impaired). People under 21 years who test at .02% – .08% BAC will have their license suspended for six months.
Penalties for a Virginia DWI conviction include:
- Alcohol education classes
- Installation of an ignition interlock device
- Jail time
How much does FR44 Virginia cost?
Virginia FR44 insurance has higher premiums and coverage requirements than Virginia SR22 insurance. The liability insurance requirements for FR44 coverage are 60/120/40:
- $60,000 bodily injury per person
- $120,000 bodily injury per accident
- $40,000 property damage
Most people must keep their insurance policy current without a lapse for three years. Insurance rates after a DUI conviction can be 2-3 times more than before. Because DUI insurance premiums are high, we’ll help you get the cheapest FR44 Virginia rate possible.
You can learn more about driver’s license reinstatement on the Virginia DMV website. These articles on our website may also interest you:
UltraCar Insurance is a licensed Virginia insurance provider. We offer low FR44 Virginia rates from top companies in the industry. Our experienced agents are standing by to help. Call us today or click the quote button to get started!
This article was last updated on October 15th, 2023 by UltraCar Insurance