Virginia FR-44 insurance at the lowest price — guaranteed.Low monthly payments, filed same day.
Virginia requires an FR-44 after a DUI conviction — higher liability limits than the SR-22, filed with the Virginia DMV and held for three years.
FR-44 quotes are faster by phone — quoted and filed in minutes
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Lowest FR-44 rate in Virginia
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Quote by phone for your Virginia FR-44 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
Quote by phone: 844-341-0473Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
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Lowest FR-44 rate in Virginia
FR-44 limits are higher, but rates still vary widely between carriers. We shop the companies that write DUI filings in Virginia so you pay the least possible.
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FR-44 vs. SR-22 in Virginia
What makes the FR-44 different
Higher limits than the SR-22
Virginia's SR-22 tracks the state minimum limits. The FR-44 doubles them to 100/300/50 after a DUI conviction.
Payment terms
Unlike Florida, Virginia does not require an FR-44 policy to be paid in full. Monthly installment plans are commonly available and accepted by the DMV.
VASAP and interlock
The FR-44 filing sits alongside VASAP completion and, for most DUI convictions, an ignition interlock period.
Virginia does not require an FR-44 to be paid in full. Most high-risk auto insurance companies let you split the premium into scheduled monthly installments while still satisfying the DMV filing.
We file directly with the DMV
Insurance Exchange of America handles the FR-44 reinstatement paperwork so you don't have to chase it down.
- FR-44 filing sent directly to the Virginia Department of Motor Vehicles (DMV)
- Same-day certificate processing when possible
- License reinstatement status tracked for you
What triggers an FR-44 in Virginia
- DUI or DUID conviction in Virginia
- Refusal-related and out-of-state DUI convictions posted to your Virginia record
- Maiming while intoxicated or a related alcohol offense
- Reinstating after a DUI-related suspension or restricted license
How to get filed in Virginia
- 1Complete VASAP (Virginia Alcohol Safety Action Program) and any ignition interlock requirement.
- 2Buy a Virginia policy at the FR-44 liability limits.
- 3Choose a payment plan — monthly installments are widely available for Virginia FR-44 policies.
- 4Your carrier files the FR-44 with the Virginia DMV electronically.
- 5Pay the DMV reinstatement fee and confirm your compliance status before driving.
Virginia FR-44 insurance explained
Virginia and Florida are the only two states that use the FR-44. After a DUI conviction, the Virginia DMV requires proof of liability coverage well above the ordinary minimum — 100/300/50 as of the 2025 limit increases — before your driving privilege is restored.
FR-44 vs. SR-22 in Virginia
An SR-22 covers non-DUI financial-responsibility suspensions and tracks the standard state minimum limits. The FR-44 is DUI-specific and carries the higher limits. Unlike Florida, Virginia does not require the FR-44 policy to be paid in full — monthly installments are widely available. Everything else — electronic filing, the three-year clock, the DMV notification if the policy cancels — works the same way.
VASAP, interlock, and the FR-44
Most Virginia DUI convictions require VASAP enrollment and an ignition interlock on any vehicle you drive. The FR-44 runs in parallel: you can file it as soon as you buy a qualifying policy, even while you are still completing VASAP.
Keeping the filing active
The Virginia DMV is notified electronically if your FR-44 policy cancels or is not renewed. A lapse restarts the three-year requirement and re-suspends your license, so renew early and tell us before switching carriers.
Virginia FR-44 FAQs
What is an FR-44 in Virginia?
An FR-44 is the Virginia DMV's proof-of-insurance certificate for drivers convicted of DUI. It certifies that you carry liability limits well above the state minimum.
How long does Virginia require an FR-44?
Three continuous years from your reinstatement date. If the policy cancels, the DMV re-suspends your license and the three years start over.
Do I need both an FR-44 and VASAP?
Usually yes. VASAP handles the education and monitoring side; the FR-44 handles the insurance side. Both must be satisfied before full reinstatement.
Can I pay for a Virginia FR-44 monthly?
Yes. Virginia does not require FR-44 policies to be paid in full. Most high-risk carriers offer monthly installment plans that satisfy the DMV filing, so you can spread the premium over the term.
Can I get a non-owner FR-44 in Virginia?
Yes. A non-owner FR-44 meets the DMV requirement at the higher limits and is the cheapest option if no vehicle is registered to you.
How quickly can a Virginia FR-44 be filed?
Same business day in most cases. Call us and we can bind coverage and transmit the FR-44 to the Virginia DMV while you are on the phone.
Get your Virginia FR-44 filed today
One call and a licensed agent can quote FR-44 limits and transmit the filing to the Virginia Department of Motor Vehicles (DMV) — usually the same business day.
Virginia SR-22 & FR-44 guides
Non-Owner FR-44 Insurance in Virginia: Full Guide
How a Virginia non-owner FR-44 works after a DUI: 100/300/50 limits, DMV filing, interlock rules, costs, and how to get reinstated without a car.
FR-44 Insurance in Virginia: Complete Guide
Virginia FR-44 requirements after a DUI: 100/300/50 limits, three-year filing, ignition interlock, DMV fees, and how to keep costs down.
Virginia's FR-44 Requirement Explained (Including Without a Car)
Virginia FR-44 rules after a DUI: 100/300/50 limits, three-year filing, interlock, reinstatement fees, and non-owner options.
Affordable FR-44 Insurance in Virginia Beach
How FR-44 insurance works in Virginia Beach after a DUI: 100/300/50 limits, local rating factors, interlock, and same-day DMV filing.
FR-44 in Florida and Virginia: Complete Comparison
A side-by-side comparison of Florida and Virginia FR-44 rules — limits, filing periods, interlock, non-owner options, and reinstatement.
How to Add an SR-22 to a Progressive Policy: Step-by-Step
How Progressive handles SR-22 filings, what it costs, how long the filing takes to reach the DMV, and what to do if Progressive won't file in your state.