Chesapeake, Virginia SR-22 & FR-44 insurance at the lowest price — guaranteed.Low monthly payments, filed same day.
We file SR-22 and FR-44 directly with the Virginia Department of Motor Vehicles (DMV) and shop many carriers licensed in Virginia to find the lowest rate for drivers across Chesapeake — with low down payments and small monthly payments.
Talk to a licensed agent now — quoted and filed in minutes
Lowest rate guarantee
Lowest SR-22 & FR-44 rate in Chesapeake, Virginia
Low monthly payments
Low down payments accepted
Quote by phone for your Virginia SR-22 quote
A licensed agent quotes you on the phone and files with the state today — usually in under 10 minutes.
Quote by phone: 844-341-0458Mon–Fri 9am–6pm ET · Sat 10am–3pm ET
Can’t talk now? Request a callback insteadWhy Chesapeake drivers choose us
Same-day filing. Low payments. Zero paperwork.
Same-Day Reinstatement
Your filing goes to the Virginia Department of Motor Vehicles (DMV) the same day you buy. Back on the road in Chesapeake tonight, not next week.
Filed Directly With The DMV
We transmit your certificate to the Virginia Department of Motor Vehicles (DMV) for you — no paperwork for you to chase down.
Low Down Payments
Get reinstated today with a low down payment and small monthly installments that fit your budget.
Chesapeake filing options
SR-22 or FR-44 — which one do you need?
Virginia uses both forms. The right one depends on why your license was suspended.
SR-22
Virginia minimum: 50/100/25; FR-44 requires 100/300/50
A certificate your insurer files with the Virginia Department of Motor Vehicles (DMV) proving you carry the state-required liability coverage. Used for non-DUI suspensions.
- State minimum liability limits
- For uninsured accidents, points, judgments
- Owner and non-owner policies
FR-44
Virginia minimum: 100/300/50
A higher-limit certificate required after a DUI conviction in Virginia. Filed the same day with the Virginia Department of Motor Vehicles (DMV).
- $100k/$300k bodily injury, $50k property damage
- Required after DUI, not optional
- Non-owner FR-44 available
About us
Chesapeake SR-22 & FR-44 filings, handled by people who do it every day
SR22 & FR44 Insurance is a proud member of The Insurance Exchange of America and can get your SR-22 or FR-44 filed with the Virginia Department of Motor Vehicles (DMV) today. As a broker representing many carriers licensed in Virginia, we shop the best rate for your record — conventional, high-risk, or after a DUI.
We know your time is valuable and you want your filing done fast and at the lowest rate available. We offer quotes from many companies, non-owner and owner-operator coverage for single and multiple DUI/DWI offenses, immediate filings, and monthly payments for qualifying drivers in Chesapeake and the surrounding metro.
A non-owner policy can be purchased if there are no automobiles registered in your name. It also works if there are vehicles in the household not registered to you — the exception being a husband and wife who own a vehicle, in which case the vehicle has to be listed.
Why people choose us
- Same-day Chesapeake license reinstatements
- SR-22s and FR-44s issued instantly the day you buy
- Simple purchase process by phone, email or fax
- Expert knowledge of Virginia's filing requirements
- Owner and non-owner policies for single or multiple offenses
- Low down payments and low monthly payments
- 100% satisfaction guaranteed
Chesapeake savings
Lowest SR-22 & FR-44 rate in Chesapeake
We shop 30+ carriers licensed in Virginia so you do not overpay. Same-day filing, low down payments, and monthly options for qualifying drivers.
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Get your Chesapeake SR-22 & FR-44 quote in about 2 minutes
No obligation. Same-day filing with the Virginia Department of Motor Vehicles (DMV) once you're covered.
Virginia FR-44 after a DUI
Virginia FR-44 insurance
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 liability limits
- As of 2025: 100/300/50 — $100,000 bodily injury per person, $300,000 per accident, $50,000 property damage
- Filing period
- 3 continuous years from your reinstatement date
- Files with
- Virginia Department of Motor Vehicles (DMV)
- Typical cost
- $120–$280 / month at FR-44 limits
What makes the FR-44 different from the SR-22
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.
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.
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Get your Chesapeake SR-22 & FR-44 today
Tell us about your situation and we will come back with Chesapeake options — usually the same business day.
DUI conviction? Jump to the Virginia FR-44 section.
SR-22 and FR-44 filings in the City of Chesapeake
DUI convictions out of the City of Chesapeake trigger an FR-44 rather than a standard SR-22, which means the Virginia DMV requires 100/300/50 liability limits for three years. Other violations — driving uninsured, too many points, an unsatisfied judgment — use a standard SR-22 at the state minimum of 50/100/25.
What Chesapeake drivers pay
Chesapeake premiums sit slightly under Norfolk, but the FR-44 limit jump is the same statewide.
Getting reinstated
Reinstatement happens at any Virginia DMV customer service center once the filing is on record. Bind the policy with the filing attached, confirm it posted, then pay the reinstatement fee before you drive.
No car? Use a non-owner policy
A non-owner FR-44 satisfies the state at full required limits and costs far less than an owner policy, which keeps the clock running while you are between vehicles.
Chesapeake SR-22 & FR-44 FAQs
Does a Chesapeake DUI require an FR-44?
Yes. A DUI conviction in the City of Chesapeake requires an FR-44 at 100/300/50 liability limits for three years, not a standard SR-22.
How much does SR-22 or FR-44 insurance cost in Chesapeake?
Minimum-limit SR-22 coverage commonly runs $90–$195 per month in Chesapeake, while FR-44 limits typically run $165–$305 per month depending on driving record, ZIP code and vehicle.
How fast can you file in Chesapeake?
Most filings go out the same day. Once the policy binds we transmit the filing electronically and confirm it with you.
Other Virginia cities
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.