Updated March 2026
State Requirements
Virginia requires minimum liability coverage of $30,000 bodily injury per person, $60,000 bodily injury per accident, and $20,000 property damage. DUI convictions trigger Virginia's FR-44 requirement, which mandates doubled liability limits of $60,000/$120,000/$40,000 and certification filing for 3 years. Non-DUI violations such as driving on a suspended license, multiple at-fault accidents, or serious traffic offenses trigger standard SR-22 filing at the base 30/60/20 limits. Both FR-44 and SR-22 must remain active continuously or the DMV restarts the clock.
Cost Overview
High-risk auto insurance in Virginia costs significantly more than standard coverage due to violation surcharges, SR-22/FR-44 filing requirements, and placement with non-standard carriers. DUI convictions result in the highest increases, often doubling or tripling baseline rates, while SR-22 filings for non-DUI violations typically add 30–80% to premiums. Rates decrease gradually as violations age beyond 3–5 years and SR-22/FR-44 requirements are satisfied.
What Affects Your Rate
- Violation type: DUI convictions increase rates 150–250% while speeding tickets or at-fault accidents add 40–90%
- SR-22 vs FR-44: FR-44 filers pay 20–35% more due to doubled liability limits and DUI-specific surcharges
- Time since violation: Rates drop 15–25% after the first year of clean driving and continue declining as violations age beyond 3 years
- Carrier availability: Non-standard carriers such as Geico's non-standard division, National General, and Bristol West actively write high-risk policies in Virginia
- Northern Virginia location premium: Drivers in Fairfax, Arlington, and Loudoun counties pay 15–30% more than state averages due to higher accident frequency and repair costs
- Payment history: Some non-standard carriers require deposits of 20–30% of the annual premium or restrict payment plans for drivers with prior lapses
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Coverage Options
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Frequently Asked Questions
Sources
- Virginia Department of Motor Vehicles - SR-22 and FR-44 Requirements
- Virginia State Corporation Commission Bureau of Insurance
- Code of Virginia § 46.2-435 and § 46.2-411.01