Virginia SR-22 & High-Risk Auto Insurance

Covers injuries you cause to others in an at-fault accident. Virginia's standard minimum is 30/60, but FR-44 filers must carry 60/120. High-risk drivers should consider limits above the minimum, as a serious accident can exceed these thresholds and expose personal assets. Many non-standard carriers in Virginia offer 50/100 or 100/300 limits at manageable rate increases.

Covers damage you cause to another person's vehicle or property. Virginia is an at-fault state, so you are financially responsible for damage you cause.

Required for license reinstatement after certain violations, including driving on a suspended license, reckless driving convictions, multiple at-fault accidents within 12 months, or uninsured accident involvement. SR-22 is not a type of insurance but a form your carrier files with the Virginia DMV certifying you maintain continuous coverage. Any lapse triggers DMV notification and restarts your 3-year filing period.

Virginia-specific requirement for all DUI and some repeat DWI convictions. FR-44 mandates liability limits double the state minimum and requires continuous filing for 3 years from the date of license reinstatement. Policies with FR-44 cost significantly more than SR-22 policies due to higher limits and DUI surcharges. Only Florida and Virginia use the FR-44 filing system.

Covers your injuries and vehicle damage when hit by a driver with no insurance or insufficient coverage. Virginia law requires insurers to offer UM/UIM at limits matching your liability coverage, but you can decline it in writing.