Drivers who commit an alcohol-related motor vehicle offense will have to buy FR44 Virginia insurance to reinstate their license.
Who needs FR44 Virginia?
People with DUI/DWI license suspensions need to 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
After a Virginia DUI or DWI violation, the state will suspend your license. You’ll have to buy FR44 Virginia insurance to regain your driving privileges. The state of Virginia imposes more severe penalties for DUI violations than for non-alcohol or drug-related violations. 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 higher coverage requirements than Virginia SR22 insurance. The liability insurance requirements for FR44 coverage are 50/100/40:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $40,000 property damage
FR44 insurance must be kept current without lapse, in most cases, for three years. Your insurance rate after a DUI conviction can be 2-3 times more than before a DUI conviction. Because FR44 Virginia insurance premiums are high, you’ll want to get the cheapest rate possible.
Information related to FR44 insurance is available on the Virginia DMV website under “Driver’s License Reinstatement”.
See these articles on our website for more about Virginia FR44 insurance:
UltraCar Insurance is a licensed Virginia insurance provider. We offer low rates from top companies in the industry. Our friendly agents will answer your questions, present a competitive Virginia FR44 insurance quote, and quickly file your certificate. Experienced agents are standing by to help. Click the quote button or call us today!