If you own a motorcycle and need to file a Virginia FR44 Insurance certificate after a DUI violation, it may surprise you that you can obtain Virginia FR44 motorcycle insurance. There aren’t many insurance providers that will endorse an FR44 certificate to a motorcycle insurance policy – but UltraCar Insurance does!
Virginia FR44 motorcycle insurance is a financial responsibility form that’s issued and filed by a licensed Virginia insurance provider. The FR44 certificate filing is a prerequisite for license reinstatement after a conviction for DUI in Virginia. The FR44 certificate can be tied to a motorcycle, scooter or moped insurance policy.
(If your license suspension is for a non-DUI related violation, you can obtain SR22 Motorcycle Insurance. Also see our page: What’s the difference between SR22 and FR44 insurance?)
Virginia license suspensions for DUI usually average 3 years, but depend on individual circumstances. The Virginia FR44 motorcycle insurance filing is a way to guarantee that you remain insured at all times during your license suspension, as required by law. This is because the certificate is monitored closely, and if it’s allowed to lapse your insurance provider must notify the state and your restricted license will be revoked.
How much does Virginia FR44 motorcycle insurance cost?
Because of the seriousness of alcohol and drug related motor vehicle offenses, the cost for FR44 high risk insurance is much more than for standard insurance. However, the cost of attaching an FR44 certificate to a motorcycle policy will usually be lower than a car or truck policy with an FR44 attachment.
Your premiums for Virginia FR44 motorcycle insurance depend on factors such as where in Virginia you live (rural vs. urban), your age, your driving record and the circumstances of your DUI conviction. Also, the type of motorcycle can make a difference in your rate. In general, a sport bike or a high performance bike may cost 2 or 3 times more than a regular street bike. The size of the engine can also impact the rate.
If you own both a car and a motorcycle, you will probably save money by tying the FR44 certificate to your motorcycle insurance policy. (Of course, if you’re required to have an ignition interlock device, the certificate must be attached to your auto insurance policy.)
If your only vehicle is your motorcycle, the FR44 certificate can be tied to the motorcycle insurance policy, OR you can buy a non owner FR44 Virginia policy. A Virginia FR44 motorcycle insurance policy may be cheaper than a non-owner FR44 policy; however, you would not be covered to ride your motorcycle.
You can learn more about reinstating your Virginia driver’s license and restricted driving privileges after a DUI conviction on the Virginia DMV website.
Virginia FR44 motorcycle insurance can be a less expensive way for you to reinstate your license and complete your FR44 insurance obligation. Talk with an UltraCar Insurance agent to discuss your motorcycle insurance options – or click the button above to start your quote now!