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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Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you maintain Virginia's minimum 30/60/20 liability coverage. Required for license reinstatement after certain violations and must remain active for 3 consecutive years.
FR-44 Insurance
Virginia-specific filing for DUI convictions requiring 60/120/40 liability limits—double the standard minimum. Only Virginia and Florida use FR-44 certificates.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers—those with DUIs, multiple violations, lapses, or SR-22/FR-44 requirements. Rates are higher but approval is more accessible.
Liability Insurance
Covers injuries and property damage you cause to others. Virginia minimums are 30/60/20 for standard SR-22 and 60/120/40 for FR-44, but higher limits protect personal assets in serious accidents.
Uninsured Motorist Coverage
Pays for your injuries and damage when hit by a driver with no insurance or insufficient coverage. Virginia requires insurers to offer this coverage at limits matching your liability policy.
Full Coverage
Liability plus collision and comprehensive coverage for damage to your own vehicle from accidents, theft, weather, or vandalism. Most lenders require full coverage on financed vehicles.
