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Virginia SR-22 & High-Risk Auto Insurance

Virginia requires 50/100/25 liability coverage and is an at-fault state.

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Virginia at a Glance

50/100/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Required

Uninsured motorist coverage must be on every policy

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Virginia

Drivers with DUI convictions, license suspensions for points, uninsured accidents, or repeat violations typically must file SR-22 or FR-44 proof of insurance with the Virginia Department of Motor Vehicles for 3 years. Virginia uses a strict point system where accumulating 18 points in 12 months or 24 points in 24 months triggers automatic license suspension and often an SR-22 requirement. Minimum coverage alone rarely satisfies reinstatement requirements or protects high-risk drivers from out-of-pocket exposure after another incident.

Liability Insurance

Virginia's 25/50/20 minimum is required for all drivers and must be maintained continuously to avoid penalties. High-risk drivers with SR-22 or FR-44 requirements must carry at least these limits for the full 3-year filing period, and any lapse triggers immediate license suspension and extends the filing requirement.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate that proves you carry at least Virginia's minimum liability coverage. The Virginia DMV requires SR-22 filing after certain violations including DUI, driving without insurance, refusing a chemical test, or accumulating excessive points.

FR-44 Insurance

Virginia is one of only two states that requires FR-44 filing instead of SR-22 for alcohol-related offenses including DUI, DWI, and refusal of a breath test. FR-44 requires double the minimum liability limits — 50/100/40 — for the same 3-year period, which increases both your base coverage cost and your high-risk premium. Not all carriers offer FR-44 filing in Virginia, so DUI drivers often need to work with non-standard insurers who specialize in this requirement.

Uninsured Motorist Coverage

Virginia requires insurers to offer uninsured/underinsured motorist coverage at the same limits as your liability policy, and you must reject it in writing to decline. If an uninsured driver hits you while you are in your SR-22 period, this coverage protects you from paying medical bills and lost wages out of pocket.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance and is typically required by lenders if you finance or lease your vehicle.

Non-Standard Auto Insurance

Non-standard carriers specialize in insuring high-risk drivers who cannot get coverage from preferred insurers due to DUI convictions, SR-22/FR-44 requirements, multiple violations, or license suspensions. After maintaining clean driving for 2–3 years, most drivers can transition back to standard carriers and recover significant rate reductions.

What Drivers Pay in Virginia

$200–$210/mo

Typical monthly rate in Virginia, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. Required by law and the foundation of any SR-22 or FR-44 filing in Virginia.

SR-22 Insurance

Certificate proving continuous liability coverage, filed by your insurer with the Virginia DMV. Required after non-alcohol violations, license suspensions, and uninsured driving.

FR-44 Insurance

High-risk certificate requiring 50/100/40 liability limits, double Virginia's standard minimums. Required for all alcohol-related offenses including DUI, DWI, and breath test refusal.

Uninsured Motorist Coverage

Pays your medical bills and lost wages if you are hit by an uninsured or underinsured driver. Must be offered by all Virginia insurers at the same limits as your liability policy.

Full Coverage

Liability plus collision and comprehensive, covering damage to your own vehicle from accidents, theft, vandalism, and weather. Required by lenders and lessors.

Non-Standard Auto Insurance

Insurance from carriers specializing in high-risk drivers who cannot qualify for preferred rates. Covers SR-22, FR-44, DUI, suspensions, and multiple violations.

Find Your City in Virginia

Virginia Beach

urban

Chesapeake

suburban

Arlington

urban

Norfolk

urban

Richmond

urban

Newport News

urban

Alexandria

urban

Hampton

urban

Roanoke

urban

Portsmouth

urban

Suffolk

suburban

Lynchburg

urban