FR-44 Insurance in Virginia: Who Needs It and What It Covers
Virginia requires an FR-44, which certifies double the state's minimum liability limits, after a DUI conviction. Here is who needs it, the limits it requires and how long it lasts.
Virginia is one of only two states that use the FR-44, a stricter version of the SR-22, for drivers convicted of DUI. The key difference is the coverage it certifies: double Virginia's normal minimums. Here is what Virginia DMV requires.
Who needs an FR-44 in Virginia
Virginia DMV says FR-44 certification is required for convictions including:
- driving under the influence of alcohol or drugs,
- maiming while under the influence,
- driving while your license is forfeited for those offenses, and
- similar violations of federal, other-state or local laws.
The limits: double the minimum
The FR-44 certifies coverage of double the minimum limits required by Virginia law. Virginia's minimums depend on the policy's effective date:
| Policy effective date | Virginia minimum | Double (FR-44 level) |
|---|---|---|
| Jan. 1, 2022 to Dec. 31, 2024 | $30,000 / $60,000 / $20,000 | $60,000 / $120,000 / $40,000 |
| On or after Jan. 1, 2025 | $50,000 / $100,000 / $25,000 | $100,000 / $200,000 / $50,000 |
Minimums from Virginia DMV. The FR-44 column applies the double-limit rule; confirm the exact limits on your certificate with your insurer.
How long you need it
Virginia DMV's reinstatement guide says the certificate must be kept for three years, generally from the end date of the suspension or revocation, or from the date a judgment is satisfied where that applies. All vehicles you own must be listed on the certificate.
Driving uninsured in Virginia: a separate rule
If you register a vehicle as insured and it turns out to be uninsured, Virginia DMV suspends your driving and registration privileges. To reinstate, you pay a $600 non-compliance fee, file an SR-22 for three years and pay any reinstatement fee. Eligible owners can use DMV's payment plan program for the fee.
How to get an FR-44 in Virginia
- Read your DMV notice for the FR-44 requirement and other reinstatement steps.
- Ask insurers specifically for a Virginia FR-44 at double the minimum limits. Not every insurer files them.
- List every vehicle you own on the policy and certificate.
- Have the insurer file the FR-44 with DMV and keep proof.
- Keep coverage continuous for three years, then confirm with DMV before removing it.
Compare with FR-44 insurance in Florida, and read how much a DUI raises insurance.
Frequently asked questions
What limits does a Virginia FR-44 require?
Double the state's minimum liability limits. With the minimums that apply to policies effective on or after January 1, 2025 ($50,000/$100,000/$25,000), that means $100,000/$200,000/$50,000. Confirm the exact limits with your insurer.
How long do I need an FR-44 in Virginia?
Virginia DMV's reinstatement guide says three years, generally counted from the end date of the suspension or revocation.
Do all my vehicles need to be on the FR-44?
Virginia DMV's guidance says all vehicles owned by the customer must be listed on the SR-22 or FR-44.
Is an FR-44 the same in Virginia and Florida?
Both states use the FR-44 for DUI-related cases with higher limits, but the limits and rules differ. Florida requires 100/300/50. See our guide to FR-44 insurance in Florida.
Sources
- Insurance Requirements, Virginia DMV
- Financial Responsibility Certifications, Virginia DMV
- A Guide to Reinstating Your Virginia Driving Privilege (DMV 292), Virginia DMV
- Virginia Auto Insurance Guide, Virginia State Corporation Commission, Bureau of Insurance
Sources were checked on October 15, 2026. Laws, fees and prices change; always confirm with your state agency or insurer.